Which of the following is/are the key metric(s) used to determine a buyer’s ability to afford a home purchase?

I) Monthly gross income II) Real estate taxes III) Insurance costs IV) Available down payment V) Outstanding credit card debt VI) Current interest rates VII) Price of the home VIII) Student loans

a) I, IV, VI, VII

b) I, II, III, IV, VI, VII

c) All except VIII

d) All of the above