Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process. 

Credit unions, banks, mortgage companies and private lenders.They all had the same answer.

I predict that the guys who are fully leveraged and cash flowing $100 per month will be motivated sellers when the next big correction happens.actually its either them or they walk and its their lenders selling that is what happened in that time period.. and was pronounced in certain markets.for me personally  I don't want to risk  my credit and finances and borrow 75k to make 1200 a year... or even 2400 a year if its a market that has a history of no appreciation and I don't feel there is going to be any significant appreciation.. 2 to 3% a year does not cut it.but I will take 500 a month negative or 10k a month negative if I think there are huge gains at the other end.. 

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.

I credit you as an expert marketer and believe that when you post returns and create these graphics at least sometimes people reach out to you for information on how to participate.

If that's not in the cards I highly recommend you wait to make this purchase. 

So far mostly people are telling me I'm probably stuck until their lease is over. meanwhile I also need to pay down my debt and improve credit score. 

U know you have to live somewhere and you have to play the cards your dealt so for someone who grew up in Cupertino and lived in Palo Alto then the Napa Valley you just figure out a way..

TurboTenant offers a maintenance program for $149 annually; they will respond to tenant issues, troubleshoot, assign to a pro, and charge your card on file (unless it's over your set amount, then they will call to confirm).

It takes away your trump card... who wants to evict a sibling?