Who determines “afford”. Avg house is $400k, including rural America. 7% mortgage rates right now is basically 28k per year to interest.
115k means you lose about 35% to taxes. 74k take home means about half your annual just goes to interest. Afford isn’t the right word here.
They mentioned this was patched in chatgpt but also exists in llama. Since llama 1 is open source and still widely available, I’d bet someone could do the research to back into the weights.