: High monthly outgoings on credit cards or car loans reduce how much a lender will let you borrow.
: These are often more accessible for solo buyers with smaller down payments (as low as 3.5%) and lower credit scores. 3. Plan for the "Invisible" Costs
: Practice "thrifty shopping" by embracing second-hand items from Vinted or Facebook Marketplace to maximize your savings rate. 2. Leverage Solo-Friendly Programs
: Budget for an extra 2-5% of the home price to cover inspections, appraisals, and title insurance.