Since you have saved enough to put a 25% down payment on a $340,000 property, the small bite to your savings from the Roth will be almost unnoticed.Also you can withdraw the contributions you made to your Roth without penalty in the future if you decide to use that money to invest in RE.I personally have my TSP (equivalent to 401K), pension, Roth IRA, and I invest in real estate.

The wages in Bozeman are NOT equivalent to the cost of housing and living. 

I prefer oil (modern equivalent is called alkyd) on cabinets.

These sites are the equivalent to the picked-over Black Friday sale items.

Net Self-Sufficiency Rental Income is calculated by using the Appraiser’s estimate of fair market rent from all units, including the unit the Borrower chooses for occupancy, and subtracting the greater of the appraiser’s estimate for vacancies and maintenance, or 25 percent of the fair market rent.In addition, for all three- to four-unit properties, the Mortgagee must verify and document reserves equivalent to three months’ PITI after closing.

But how do you account for the fact that financing options are not always equivalent?

And make sure to account for the following expenses:1) Mortgage2) Mortgage insurance (PMI or MIP) or FHA Risk base3) Property Taxes4) City Taxes5) HOA (Home Owner’s Association) Dues and Fees and Assessments6) Insurance a) Property Hazard Insurance (0.3-0.45%) b) Flood Insurance c) Earthquake Insurance d) Umbrella Insurance7) Vacancy Rate (usually 8% - the equivalent to one month a year, or 5-6% if multifamily and/or if experienced, if not use 8%)8) Utilities (you’ll have these if your tenant is not covering them and/or during vacancy) a) Water § Sewer § Garbage b) Electricity c) Natural Gas d) Propane9) General Maintenance (usually 5%) a) Upkeep § Landscaping b) Snow removal c) Repairs d) New Appliances e) Make ready10) Capital Expenditures (usually 5%, higher is the property is old and obsolete, less if fully rehabbed and all mechanicals and roof are new)11) Property Management (8%, even if you self manage, your time still has value and there might be a time when you'll want to be completely hands off or you'll not be able to do it, vacation, retirement, etc.), including...

For a bank loan, they requirements will be very similar than what is requested to a legal resident in the US: Income verification (W-2 equivalent), tax returns, etc.

Not doing so is the equivalent of commencing a drive without first establishing a destination.  

Not that Mormonism has the corner on goofy beliefs among religions.He equates his son's driving around Iowa in a Hummer campaigning for him to be the equivalent of our soldiers serving in Irag and Afghanistan.He laments his failure to serve in Viet-Nam, yet made sure his RELIGIOUS DEFERMENT was always intact so that he could do "missionary work" in France!