Am I being Tested OR Am I being told to Wait?!

[Shedrick Boyd]

Currently in the process of getting financing. Going to be a owner occupancy conventional, so only need 5%, I’m on board!

Lender tells me they can't use rental income because I don't have 2 years rental history...Now my rental property mortgage is being fully calculated (even though I'm not paying for it at all) and screwing with my DTI.

Now my qualified amount is significantly less and in my market, (shoutout Denver, CO✌🏽) that wouldn’t be enough to purchase me a shed....

With the current market I am now beginning to think maybe this is not my time, I can wait, save up a lot more, and come back when it’s less competitive. OR maybe I need to keep looking around and find a different lender?

Is the universe telling me to WAIT OR is it throwing me a TEST!? Thoughts anyone!?

P.S. I’ve spoke with 3 different lenders now and had my credit pulled 3 different times. Getting old at this point...