Not enough income to get a mortgage

[Maria Luna]

Hi guys,

Need some advice please help!!!

Current situation:

Husband makes $15 an hour and works full time. I’m an independent contractor hair stylist. I took a 3 year break in my career for personal reasons and got back to it last year but with the pandemic, I only have about 6 months of work history for last year.

Savings $150k

Income from one rental $700 per month after all expenses.

Zero debt and both have good credit.

We are currently renting since we just relocated to Florida. No kids at home and husband is Army veteran. I make about $4000 per month as an independent contractor.

Issue:

No bank it’s gonna give us a mortgage big enough to buy anything decent in my area since husband’s income is not enough and I can’t use mines cause I don’t have the two year work history yet. I know one option is to just wait for me to have two years of work history..... but I refuse to sign another lease. Paying somebody’s else’s mortgage hurts my heart.

What would you do? Should we use the savings to buy something? Pleas help!!