I know I went through this myself. But think of the extra perks youre getting, and then negotiate with her. Maybe .32 to .39.
After all, home loan officers will not let you spend more than .40 of your income on housing......(heh heh) Still, she may see you buying fun stuff and eating out and getting cds.... She honestly is helping you out by getting you to realize that this will be a permanent part of your future. A part that sucks, but still, a part of it. Negotiate, then start being real careful with it.
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