You're response may be that markets fluctuate and budgeting is difficult and that is true but that is literally the job of sponsors so they should be better forecasters than that if they're accepting equity from investors.

We quote based on the estimated FICO score you provide so if done right with accurately submitted numbers (property income, expenses, taxes) then the actual credit pull on loan app is the only way a rate would differ from the quote and term that is rate locked for underwriting or if the loan app is submitted in a large enough time window in which rates could have changed (we're in a dynamic rate environment so by the day and the week rates fluctuate). 

My issue is I have almost 60k in student loan debt, and my income fluctuates wildly between 22k-35k (most of which goes to my rent).I'm feeling very discouraged that this can even be possible to purchase a home in my lifetime with my income being so low.

rents to expenses have fluctuated.  

@Jonathan Baird Hey Jonathan - I similarly fluctuate with my BP engagement but it's been a great tool & resource over the years.

According to the Harvard Business Review, this diversification helps mitigate local market fluctuations, contributing to the overall stability of the real estate sector.5.

Knowing how your leads fluctuate in your area my help. 

For context, in Orlando, we’ve seen fluctuations in tourism and a growing demand for long-term housing, possibly due to economic factors and changes in travel behavior.

Usually, holding for the house for 5 years covers the market fluctuations. 

It's a pricing tool that fluctuates and auto-updates your prices based on demand.