Write the next sentence in the following story.

How to prepare to buy a house
Take a hard look at your budget.
Start by looking at what you pay in rent now. That's a good starting place to figure out what you can pay on a mortgage.

Pick from: 1. Commercial loan lenders are more likely to lend to out-of-state applicants. Borrow a mortgage only for one month if you've been paying off your debt, and create several more payments on a longer loan to cover outstanding monthly expenses.; 2. Selling a home is another way to gauge your monthly spending. Start by spending your savings on the first house.; 3. The solution to your question is to determine what it's costing to rent space in your house. Take into account the following : Monthly payment yearly mortgage payment installment payment Check how much you are paying off your rent at rent.; 4. However, you also must consider what you can get approved for. Generally, you'll only get approval for a monthly mortgage payment that's 30% to 35% of your pretax income.;. The answer should be
4.