Surprisingly they have all gone up a healthy percentage since I bought.

A growing population indicates a healthy real estate market with potential for appreciation.2) Waterfront Properties: Cape Coral is a waterfront community with over 400 miles of navigable canals.

If it is, that is a healthy amount of income.Is she getting any social security?

Assuming the credit is healthy you may be able to go up to 85% loan to value. 

@Golan Corshidi if your W2 is providing a healthy surplus, you can be a bit more tolerant and "loose" a couple hundred bucks for a year one or two - if you are in a desirable neighborhood.1.)

It's your first property, you may hold it, you will probably sell it, find a healthy balance there.

Assuming credit is healthy there are lenders that will offer more favorable terms. 

on those types of buildings its usually about 25-30% down depending on the rent roll and how healthy it is 

I'd be surprised if there is a sustainable builder in Texas that I have not at least talked to, if I don't actually know them.I am trying to develop projects that allow these folks to showcase their work so people may discover that they can live in healthy, efficient, comfortable, forever homes that don't burn,  and are insect proof and mold free. 

Lenders have expanded their guidelines to allow for up to 85% financing assuming healthy credit and income is producing above what the debt obligation would be for the home.