I feel like I’m so far away from buying my first property

[Joseph Allen]

I’m 23 years old. Finally found a job that I like making $2k-$3k/month. My credit score is not very good and I don’t have anything saved yet but I really want to buy my first house hack deal.

I do have a plan with my significant other to save up about $25k in 12 months for down payment, closing costs (if necessary), repairs and other expenses.

Good news is my personal expenses are less than $1k each month and I am about to move in to a shared home to be more frugal. It is really hard for me to have patience. I want to buy a house in less than a year but I just don’t know how that will work.

I’m not sure if I can get approved for any type of financing with a weak credit score (570) and not a long work history at my current job that I’ve only been at for a month.

My significant other and I combined bring in a total net income of around $3,500-$4,500 per month depending on how much over time I work. She is a waitress so income can vary. She has an excellent credit score and has been at her current job for 1 1/2 years.

We have a twelve month plan to save $25k jointly, but really don’t want to wait that long. I want to know if there are other options for us. Thanks in advance!