<prompt> Human: Ive discovered its easier for me to buy a house with cash, rather than attempt to qualify for a mortgage. And Im wondering if anyone else has heard of this happening.The one reason I cant get a mortgage is my student loan balance, because the banks are estimating my payments at 1 of the balance, instead of the much lower IBR Im using for PSLF. I have no other debt, 800 credit, and a six-figure income. So I decided to calculate how long it would take me to buy a house with cash. I priced homes in my geographic area that I want to live in, and I have 73.3 of the funds necessary saved in the bank. Mostly a series of rotating Treasury bills that will all mature in less than a year, so very liquid. And based how much of my income I save after I pay my expenses, I will have the remaining 26.7 saved within 6 years. I could actually buy a house with cash ASAP if I was willing to accept a house older than 15 years, or just liquidated my retirement account. So Im not looking for advice. I have my plan. I just found the entire situation very bizarre, so I got curious. Has anyone else heard stories of people finding it faster to save enough cash to buy a house, rather than adjusting ones finances to match a banks very specific requirements?  <response>: Well, sure, you can use the money to buy a house. But I would recommend you paying off the student loans with that money instead, and getting out from under that mess first. With that strong of an income, this will only delay the house purchase for what, a few years? And youll be in a massively stronger financial position then, too. 