How much was a down payment and maybe it was a house that housed 7 berry pickers with a combined income of 110,000 a year, and without more facts, this could be a very good performing loan.
you raise an interesting point there. I have also observed this kind of housing behavior whereby multiple wage earners contribute to the rent/mortgage. This seems reasonable except you end up watching the standard of living for everyone go down as a result because: A.) the neighbors now have a flop house next door and B.) rental agencies can charge higher rent than a traditional nuclear family can afford soooo, the traditional nuclear family has to look for less of a home to rent or they have to do as the immigrants have done and invite another family into their home which was never designed to house more than one family.