If my CURRENT disposable income cannot pay for the property within ten years including interest and taxes and I cannot afford to pay down at least 25%, I shouldn't buy the property.
Congress critters call such unworkable. I call such mandatory. My properties are paid for in full (all of them) I have never even come close to defaulting on a property loan.
Maybe Congress should rethink their idiot proposals!
Not everyone is cut out to own property - even when you give it to them basically for free.