You should talk with lenders to get an idea of what you can actually afford though it doesn't really matter if you talk with an agent first since most agents will have lender recommendations.

Are you trying to afford a house much more expensive than your W2s could cover? 

Here is the how I would explain it to a kindergartner:The true power of a 1031 exchange is the ability for an investor to meet their investment objectives without losing equity to taxation.With more money they can buy larger, multiple, or more productive properties.What is the alternative?

That would allow you to put down less knowing you have that income coming in.Otherwise, is it possible to consider moving somewhere more affordable so you can reach that financial freedom you want? 

To better homes in the area and to create a product.

I have done business with Dominion for their 30 year DSCR product. 

So even though the total housing numbers may go up, they are not meeting demand for the working class renters who need affordable housing.

I'm not sure why you 'cannot really afford to lose' this job.

Wondering if you have noticed any changes in their product or price points now that the market has become a buyer's market.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.