First house was about 1.5x, which we bought to rent out, expecting to live in it some day (age 25)...never actually lived in it. There were a couple more rentals bought, but our next one to live in was 3.8x or so(age 31), paid it off after a few years by selling rentals that were headaches, and we still have that one. The next one was built, not bought, over a 4 year period, and we paid for the work as it was done, no mortgage. I know not everyone can do that, but we have been very fortunate (bought the land and started the process at 40).
I'm pretty sure this is the last one until we can no longer care for it...a long way off yet. No more mortgages for me though...I hate debt....with a passion.