First prop... DTI isn't too promising tho

[Patrick Crehan]

By January of 2020, I should have around 14k saved up in the bank to invest in my first property. I am still doing research on what I want to do (Bx4, mulitfamily, etc.) but I am not sure if my DTI will check out by the time I want to strike a deal. So, now I might be leaning toward networking to find someone that will do a land contract. Or is it possible by the time I have my money saved, could a lender be generous enough to lend a hand? My DTI is some where in the ballpark of 49% but will be lowered to something like 44-46% by January of 2020. Also, I am currently in college (that's the big thing that is worrying me). I am not paying any student loans right now, but honestly I have no clue how that is implemented in with DTI when lenders check on that. Really, what I am asking, when the time comes and I have that 14k cashed saved... what should I do? Network to strike land contract deal, bombard lenders with applications, etc.? Any strategy ideas would help! Thanks!