Wanting to purchasing a Duplex/Good FICO/Debt to Ratio to High.

[Gina Daggett]

Hi, I'm needing some advice, So my FICO is 715, as I just wanted to see where I stood. I'm wanting to buy a duplex and live in one. However, my mortgage lender says, everything looked good but my car payment, it is making my debt to ratio to high. Tired of apartment life and its just my time to start investing. I'm sure someone on this discussion has had a set back and I am asking what can I do. I do not want a co signer, (for many reasons) even though it was a suggestion from the mortgage lender. A little frustrated, as I have been working on getting my FICO up and still another set back. So any suggestions of how to get myself in a position to get a duplex? (Any type of programs available?) Looking in the Kent WA area. Any advice given, I would appreciate and I thank you in advance.