I DIDN’T USE 1.3 AS A FACTOR! I AM AMERICAN. I FOUND THE HOUSE I WANTED THAT WAS NEAR WHAT I THOUGHT I COULD AFFORD AND FOUND A WAY TO JUSTIFY SPENDING MORE THAN I PLANNED ON. IT JUST SO HAPPENS THAT IT WORKED OUT TO 1.3 TIMES DOUBLE MY INCOME.
I DIDN’T USE 1.3 AS A FACTOR! I AM AMERICAN. I FOUND THE HOUSE I WANTED THAT WAS NEAR WHAT I THOUGHT I COULD AFFORD AND FOUND A WAY TO JUSTIFY SPENDING MORE THAN I PLANNED ON. IT JUST SO HAPPENS THAT IT WORKED OUT TO 1.3 TIMES DOUBLE MY INCOME.