[jsonmez]

Yes, it puts a large number of people out of play--but not software developers.

That's why I recommend it to them.

You can find deals for $100k where you put down $10-$20k. Which is a lot of money, yes, but I know it's possible, because I saved that much in a year as a SW dev.

And then you can have cash reserves of $5k or so (which could be 401k or something else.)

Even a Heloc could be a cash reserve if needed.

There are ways to make it work.