I have 15% but only make 20k/year how do I qualify?

[Dalton Riep]

I have a down payment of 15% and I am willing to live in the property (or not) whatever helps me qualify for the loan. If I dont live in the property I can live rent free at my parents for a year or two. What options do I have??? I make about 20k per year and only have a car payment of 217/month and that is my only long term debt. I also have a credit score of 726. property asking price $235,000 I have 20-30k for a down payment.