First loan & underwriter - 6 C's

[Felix Sot]

Hello,

Ive been doing a lot of research (and searching the forums) but I havent been able to find a clear answer. This is in regards to the "6 C's Loan Proposal" video found here:

https://www.youtube.com/watch?v=vM0S5OG8bYg&t=1383...

The video talks about how the underwriter is the one that actually approves the loan and how important it is to convince them. Im just starting out and as I understand, the underwriter wont speak to me directly. I have some questions as I just dont get some of the details and I dont want to look stupid to the bank.

My situation: 

$50,000 /year salary (gross)

$17,000 auto loan ($350/month)

$50-$75 credit card minimum payment

$0 rent (I live at home with my dad)

$12,000 in savings

I want to buy a multi family house around $120K - $150K with an 3.5% down FHA loan. First time Landlord.

Here are my questions:

1. Should I even make a loan proposal? Should I include the exact property I want?

2. Who do I hand the loan proposal to? The loan officer at the bank branch? Will they even send it to the underwriter?

3. How much detail do I give them? Will it be looked upon badly if I say I want to rent for x amount and what I have to pay will be about $300 towards the PITI? I mean will I look like I want to dodge my bills?

4. I plan to save money and get %20 (plus repair money) for future single-family homes. Should I even mention this?

5. How do I convince them that I am willing to take on the challenges of being a first time Landlord? (Im doing Home Depot demos and Habitat for Humanity to get hands on experience in fixes to homes)

Any help will be greatly appreciated thank you so much!