Thank you for your thoughtful comment and discussion points. I completely agree that there is a multitude of factors to consider when taking on a huge obligation such as purchasing a house. As with all things related to personal finance, there are many factors specific to each individual or household, and I appreciate you adding to the thinking process prior to homeownership.
The purpose of the article was to give individuals a baseline to work with, and anchor points to think about such as their mortgage rate, income, tax rates, downpayment, etc. I’ve adjusted the article to be more explicit about differing financial situations, and the 2.5x mortgage rule to be a start to everyone’s own situation, as I agree with your points completely.
Thanks for taking the time, and take care.