Yes if going for programs that look at debt to income ratio even if balance is 0 on an open line they'll consider the full potential payment of the line

You signed an agreement with the tenant and the housing program.

Tons of more students, professors, programs year after year.

There are a lot of programs for “first time home buyers” out there right now, which pretty much means all you need to qualify is meet the IRS definition which is essentially cannot have owned and occupied your primary residence for the past three years.

anyone who is teaching people to call banks to get loans has no clue what they are doing, there was one guru who had one student get loans from a bank and then sold it into 5 programs only to make themselves money.

.- New Mortgage Program will Exacerbate Inflation.- Hot Tip to Save BIG on your Next Renovation.- The Skeptics Take.The Weekly 3: News and Data to Keep You Informed- Apartment renters are signing longer leases than ever - incentivized by high supply in multifamily apartments coming online.

Since you're in NY & a 1st time home buyer, check out New York State's First Time Homebuyer Programs at https://hcr.ny.gov/sonymaThere are several programs, different criteria, if you need any recommendations for mortgage professionals feel free to message me

You have to use the special math genie program I have developed though to understand how to calculate the returns. 

Mcallen has been named top three safest cities in the US. https://smartasset.com/data-studies/safest-cities-in-america...Edinburg which is also located out here has a university that just adopted a football program that starts in Fall 2025.

Some programs don't require first time buyer, just that you are making a sensible move for primary home ownership not as rental