Looking for some feedback

[Mason Yost]

Hey, I am a collegiate student athlete and get a cost of attendance stipend which pays for my living expenses. I have yet to work a W2 job and have saved up a ton of money from non W2 work. I want to house hack here in the next few months, but dont know which way to go about getting financing. I have enough money to put 10-20% down on some houses. My father is willing to help/co sign, the thing is I dont have a working income so Im unsure how the lender will look at me and what possibilities I have of getting a loan (I have really good credit score). I have been looking at home possible or just a conventional loan. I know some lenders will take in account the rental income you are getting as well. Would love to get some input to help me with this, thank you

[David M.]

@Mason Yost

Honestly, find a good loan officer and let him or her determine the best loan product for you.  I think you should stay with a conforming loan and not worry about noncorforming products such as the dscr right now.  drop me a message if you want a lender referral.  Without going over the specifics of your finances, I don't see you really figuring out the proper loan product for you over a public forum.