Need your advice

[NA NA]

I struggle to get financing...I have a house already but wanted to buy a second house? a much cheaper one, because I am not sure how long will I last at my job. I do have 100k equity in my current home so if things go sour I can sell my current home and pay off the cheap one.

If things do not go sour I do not want to sell my current home. I have about 12 years left to pay it off...

I make good money but I have a lot of student debt that puts me in a high risk category...

Will you please tell me if its generally easier to qualify for a rental house in my situation or for a second home?

May be I should just save up the 20% and tell the bank that the cheaper house will be a rental house and just rent it out for a while?