I do have my VA disability as my "job" income and I hear that lenders will count that at 1.25% for calculating DTI since it's tax free.

do you have a lender or are you building out of cash..

My lender seems to have done a little mistake and my father who is co-signing was never told he has to be down here for the signing which was suppose to happen today at 1:00 and it cannot happen without a wet signature from him.

This question is definitely very location dependent - licensing across state-lines is a tricky thing to navigate so depending on the size of the lender they may operate in one metropolis or all over the country.

I havnt even spoke to a lender yet on what I qualify for.

It’s things like that which make this decision more than just a legal one-it’s about how organized you can be.Something else to consider: lenders often want you to personally guarantee loans, even if the property is in an LLC.

If you have a loan in your property try to do the buy thru that same lender.  6.  

If the lender is licensed in the state you're buying in, then they can do the loan.

Another would be when a lender or bank offers you the cash to buy the home and they cross collateralize one or more homes to bridge the gap of equity needed.

My lender is otherwise ready to close.