Quote from @Trent Reeve:To be honest, I am surprised by the responses.

Yes, the interest rate is higher than a conventional product but surprisingly not by much.

Yes, Zillow is surprising unprofessional.

The differences are not very big and adjustments are mild, but that is also something to be aware of as it might surprise you, depending on the lender.

I'm honestly surprised, right now our only debt payment is a 857 mortgage, no car payment no student loans no credit card debt, and good credit 740's. she doesn't make just a lot (41k a year) but with the 857 mortage payment, her debt to income shouldn't be much over 25%.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

You will be surprised how often that will get you more information...often critical information.Second, if at all possible, try to get on the phone with the landlord prior to the current landlord. 

. ;-)  Hahaha yeah I'm not surprised!

Because you can afford a house, you can’t afford a surprise. 

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