In most states, a car can be repossessed faster than an eviction - and most tenants know this.So, why would a landlord NOT take a car payment into consideration when qualifying a prospective applicant?

There are enough qualified tenants that want good housing that they WILL find you!

Unless he is the last tenant on earth wait for one that does qualify.There is no valid reason for landlords to find ways to qualify a unqualified applicant.

Usually you'd b able to just qualify based off of the W-2 income.

DSCR loans are usually much easier to qualify for since they’re not based on your income.

I’ll probably live in an apartment for a bit while I re-qualify as a first time home buyer and hopefully find another distressed property to renovate either in WA or Midwest .

I believe that qualifies as owner occupied but would like a lender to comment. 

And I have various options to allow you to qualify, not just one. 

With conventional financing, your income, DTI and employment history will be used to qualify you.

thank you  You could go up to 80% if your property can qualify for it