I find this article VERY misleading.

Do you think that the affordability factor of the house was based on income and debt?

OF COURSE IT WAS.  So, if you have high debt or a low down payment, you are not going to qualify for a house priced outside of your buying power.

I am so sick and tired of how the "victims" are portrayed.  

Let's go by INCOME QUALIFICATION. 

Either your income qualifies or it does not.  If your income is high but your debt ratio is higher, your buying power is LESS.   So if you are lower income and you still have high debt ration, your buying power is LESS

It equals out no matter what income you make or the color of your skin or whether or not you have a "student" loan - it is all based on INCOME and DEBT.  And what you can AFFORD to pay.

Let's keep the BS out of Real Estate, please