If they wont I would probably suggest getting it rented and moving in with family/friends or renting a smaller place and then seeing if that rental income will help you get approved. maybe a little hectic but sacrificing in the short term tends to pay off. 

The most common portfolio style loan in Texas is a 20 year adjustable rate loan.

And from what I understand is a completely different style loan.

See, our other properties are apartment style, but we want this MTR to be all about the yard!

See, our other properties are apartment style, but we want this MTR to be all about the yard!

For LTR who cares two prong is fine.The popular roof style was a very shallow pitch and we do get snow.

I sacrificed.

We have had requests to replace doors in the past and the response is usually, we don't have the money for cosmetic upgrades but youre welcome to replace it yourself if you match the style and color. 

style="-webkit-font-smoothing: antialiased; margin: 0px; padding: 0px; border: 0px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-weight: 400; font-stretch: inherit; font-size: 1rem; line-height: 22px; font-family: "open sans", sans-serif; vertical-align: baseline; position: relative; overflow: hidden; color: rgb(52, 65, 77); letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; height: 1288px;">BRRRR and a TIP OF THE DAY : )RUN YOUR NUMBERS!!!!

I've noticed a few of the very nice Spanish Revival style homes that back right up to the course popping up on the MLS.