Last night, the Mrs. and I were watching one of those house buying shows on HGTV. The couple that were looking for their first house were in Portland, Oregon. They both worked for the local school system. One was a special needs teacher, and the other worked in administration, but her exact position was never made clear. They were pre-qualified for a $375,000 loan. The male wanted a big house with lots of room, while the female was a bit more practical. Other factors were not told to the audience such as other debt considerations: car loans, personal loans, credit card debt, college loans, and so on. So, lets just review the numbers so far. A young couple, both working in the Portland school system, can qualify for a monthly mortgage of more than $2,100. Sure. And I play a doctor on TV.