You will need 2 years of track history unless you have another job/someone else on the loan. 20K is not enough to start.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

To navigate this, consider implementing a standardized application and screening process that focuses on objective criteria, such as income, rental history, and credit checks.

History doesn't always repeat but it usually rhymes!

I currently live in Brooklyn, NY but I am considering  to move to Albany, NY with my wife and my daughter maybe within 8-12 months.

If the goal is a lower rate, work on your FICO or get more self employment work history.

When it comes properties with flood history, my rule of thumb is that if it flooded once, it will flood again.

I chat a few and head to the office and dig into the history of each and what the new out on them was.

Still trying to find a house in Chapel Hill for our 2 UNC student daughters.

Agent is also responsible to disclose to VA seller that they will lose a percentage of their eligibility and the loan might show on their credit after the fact.Servicer isn't set up with lots of staff processing so the buyer needs to turn in their whole financial history for the past two years in one email, don't trickle in papers they get lost.