Coldwell Banker
The Bruen Team
Ryan J. Bruen, CPA

Buying Power

Affordability
Analysis.

Defining your architectural limits with CPA-led financial oversight.

Financial Parameters

$
$

Car loans, student debt, & credit cards

$
%
$
$
$

Required for townhomes, condos, or private associations

"True affordability isn't just about what a bank will lend you; it's about what your lifestyle can sustain. We analyze your purchase from a total wealth-building perspective."

— Ryan J. Bruen, CPA

Analysis Results

Target Purchase Price $0
Conservative 36% DTI Ratio
Aggressive 43% DTI Ratio
Monthly Housing Expense $0.00
Down Payment Requirement $0.00
Est. Closing Costs $0.00
Total Cash to Close $0.00

Down Payment + Acquisition Fees

Home Affordability Strategy Consultation

Understanding Affordability

What is DTI (Debt-to-Income) Ratio?
Debt-to-income (DTI) ratio is a percentage of your gross monthly income that goes toward paying debts. Lenders use this to determine your ability to manage monthly payments. A conservative ratio is typically 36%, while many lenders will allow up to 43% for qualified buyers.
How do HOA fees affect my buying power?
HOA fees are treated by lenders similarly to property taxes—they are part of your monthly housing expense. Every $100 in HOA dues can reduce your purchasing power by roughly $10,000 to $15,000 depending on current interest rates.

Secure Your
Position.

Don't guess on your buying power. Submit your data for a professional audit by Ryan Bruen, CPA, and let's build a roadmap to your next residence.

(973) 294-8887

ryan@bruenrealestate.com

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