My original plan was to save up for a year and buy my first home.

Assume that i got margin with IBKR their calculation shows 5.4% and costs 21.8k per year for 400k.So assuming property is 700k with conventional loan and 670k with cash offer.I manage to find another 270k (this is what I'm asking) without paying any origination fees.

Alternatively, I could explore loan recasting, where the lender recalculates my monthly payment based on the reduced principal, keeping the original loan term intact.

Originally posted by @Brendan F.

Paid 77% of the original list price on this new construction home.

I'm originally from Florida and jumped into real estate after burning all the boats. 

For example, what is the required income to rent ratio, amount of time spent at current employer, credit score, etc etc.

Quote from @Joaquin Camarasa: I am originally from Valencia, Spain.

I am originally from Tyler, Tx. so am familiar with the area and frequent there often.

The electrical panel is original, so an upgrade might be needed in the future.