Getting Preapproved--Would you lend to me?

[Taylor K.]

Hello everyone,

I want to hear your thoughts on me getting preapproved for a mortgage. I will be talking to a credit union this week to hopefully get preapproved for enough to buy this duplex I am looking at. I want to know if you think the bank will lend to me or a ball park for how much they would approve me for. I know that its going to vary and the only true answer will be to talk to a loan officer and find out, but I wanted to hear your opinions. So heres some info about me.. 

21 years old 

Job as a letter carrier for the postal service for 8 months. Salary of 35-40k

Live at home still

$400 a month student loan payment

No other debt

About a 720 credit score

26k in the bank 

Here are the numbers on the duplex.

Located in B- or C++ area. Little crime, blue collar area

Asking 60k, gonna first offer 50k and see where that goes

Currently rented for 650 a side, owner paying water, sewage, garbage

$815 in yearly taxes

Located about 15 minutes from my house.

What do you think?