The key is that 2 year work history that you'll need to establish.In certain circumstances you can use the income before you even receive your first paystub (certain relocation and job change scenarios), however typically you'll need to receive atleast 1 paystub to use it.If you have had no work within the last 12 months preceeding this new job then you may need to be on this job for a min of 6 months before you can close on this new loan which would hamper your plans to close within 45 days on this duplex.Then again scenario #3 if you have the credit and the down payment and the property cash flows from conventional underwriting perspective and you have "no credit card debts," on your credit report then you may be able to qualify any way since your debt to income or DTI will be 0% (property cash flows) no debt outstanding to qualify for as the duplex will be adding income to your scenario.I've had an underwriter okay scenario #3 above but have never funded a deal like.

Your limited income doesn't necessarily have to hamper you when you combine it with the existing tenant's rents. 

You then use the LLC for all transacting and are not hampered by the paperwork, delays and per-transaction fees of the custodian. 

The board can, without much warning, severely hamper your ability to rent out your unit.

The three of you have had success with two sfr's, but your experience is limited and growth could hamper your success.   

Now you're not hampered by debt unless you want to be. 

Lastly, how will your buying ambitions in Florida be hampered if you don't sell?

But wont using a credit card hamper my cash flow?

My client found that the IRA still had to get a 3rd party approval on all purchases, which can hamper a good deal. he instead did a SOLO 401k and used that to buy properties.

that could just really hamper you when you actually want to get started