10/31/2026
Home purchases by buyers under 35 fell 15% since 2018, but young buyers who add a parent to the loan are still closing. About 1 in 30 now buys with a co-borrower age 55 or older.
Nadlan Group research, with Lior Lustig, CEO of Nadlan Capital Group:
• The share rose from about 1 in 36 in 2018 to about 1 in 30 in 2025, a 21% jump in seven years
• Anaheim, Calif., leads at about 1 in 13 young buyers; Fort Lauderdale grew fastest, up about 68%; Virginia Beach is lowest at about 1 in 50
• Under a 43% debt limit, a $70,000 earner can carry about $2,508 a month in debt; adding a debt-free parent earning $50,000 lifts that to about $4,300
The catch: the parent's debts come along too, and the child's mortgage counts in the parent's own debt ratio, which can shrink their next investment loan. DSCR loans qualify on the rental's income instead. Run both borrowers' full numbers before you make an offer.
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Full article: https://www.forumnadlanusa.com/young-homebuyers-purchases-fall-15-percent-older-co-borrowers-1-in-30/
AI disclosure: This video was created with the assistance of AI. Educational purposes only; not financial advice.