You should keep saving, get pre-approved so you know where you stand, and start working with an investor-friendly agent to show you homes so you get some reps in.

I struggled with debt management until I incorporated this pay bi-weekly "law".

Ask for a "Pre-Underwrite" this is where the bank underwrites the file and give you a "Loan Commitment" instead of a generic "Pre-approval" letter.

I got pre-approved by my previous lender and by another lender.

After incorporating you'll want to then file for a tax exemption with the IRS.

Or you can try and lease option it, but be sure to mentor your tenant all the way to get pre-approved, otherwise you have an 80% chnace they won't be able to buy it. 

If you catch these at the pre-foreclosure stage as slow pays or initially in default all the better as the bank has less in collection expense.You can still work out a discount but even buying at the payoff it can be profitable depending on the property value.You can practically force a lender to sell as it can fully indemnify them as a full payoff as demanded, continuing with a foreclosure becomes a rather vengeful act by the bank to punish a borrower, they don't want to go there.

So when you go out to eat for a wedding anniversary, you go to McDonalds right?

You’ll have a pre payment penalty.. likely 3/2/1 or 5/5/5Bottom line.

Then there are pre-recorded videos you can walk through.