The income numbers attached to buying a home in San Francisco can feel like a hard stop. But those headline figures assume a specific down payment, a specific loan type, and none of the creative financing strategies that SF buyers use every day. The real question is not whether you earn enough in the abstract. It is whether you have explored the right loan structure for your situation. Here is a clear breakdown of what you actually need at every price tier, and the levers that can shift those numbers in your favor.Read More