FICO, experience, and LTV are also factors but this is the basis of the loan.

You can put it all in that until you figure out what to do.One thing you didn't factor in your post is taxes.

2) Maintenance Reserves: So many factors here to consider!

Well worth the money, plus you will have already factored that expense in to your cash-on-cash requirements to justify a purchase decision)4. 

The baby on the way should not factor into your decision. 

Some assets can be valued significantly lower than their actual worth because of illiquidity and other factors.

Some assets can be valued significantly lower than their actual worth because of illiquidity and other factors.

This is pushing many to look at areas that still offer strong cash flow backed by solid economic factors.I’m originally from Florida, but experienced the same issue after factoring in all the expenses.

All of which may factor in. 

I know there is a huge shortage of housing and that has driven up price in the past couple years (along with other factors such as the pandemic, population growth, etc) so, I see listings for 2br-1bth for up to 2200 on places like Zillow, Redfin, etc.