$420K duplex too much for 99K salary?

[Katriana Boncorddo]

I'm looking to purchase my first multi family property. My realtor is showing me duplexes ranging from 399-430k. There aren't many options to choose from. My plan is to use FHA, 3.5% dp, seller covers closing costs.

Gross salary: 88,992 (base w/o OT) (99,360 in July)

I work a lot of OT. Biweekly checks after tax are $4k. 

#s based on duplex I’m being shown

420,000, rate 6.25%

Mortgage payment: 3271 + 225 HOA (increase $65 starting July) =3561

Currently paying 1200 in rent + utilities.

I know you’re going to scream at me for this. Student loan payments: 1,457/month.