How Should I Finance My First Purchase?

[Allie Pfannenstiel]

Hi BP Community,

I am ready to buy my first property in Arizona - question now is how should I finance it?

I have been travelling for 2.5 years and don't have traditional W2's to show the banks. 

Would I qualify for a FHA?

My boyfriend bought our first house 3.5 years ago with a co-signer and now have about 150,000 equity, should we borrow against that (can we do that with a cosigner)?

He also was in the military and could qualify for a VA loan - if he had traditional W2 - which he doesn't either.

Is owner financing the only way to go?

I have about 20k to put down on the house but I also don't want to lose the capital. 

Does any one have any recommendations?