I am very excited to be a part of this program and am studying day in and day out to build long term wealth!

It CAN also be very lucrative.stick with your w-2 work for a bit longer and save as much as you can seek out and find a producing real estate agent who can be your mentor in this process - join a good team to begin with...starting part-time as a RE agent is not easy or often recommended - but it CAN allow for that training and transition period...find a great lender who can actually tell you what various assistance programs are available to you.

In many loan programs you are allowed to count it as income, to help offset your debt-to-income ratio.

For example, I see that Citi has a great program called HomeRun Mortgage, where you can put 3-5% down with no PMI.I was wondering if you or if you know someone else who I can consult with to find the best option and rate for me as I am finding it difficult to this by myself.Best Regards,Christopher DeSimone 

What good tools/programs/websites/calculators others use to make long term and short term rental analysis?     

It’s a great program!

What programs/forms/documents do you recommend using?

Or are there any other programs I should look into?

But, in case you haven't seen, rates have been trending upwards the past two weeks or so... 3) Your retirement income can be estimated or calculated a number of ways depending on the lender, the program, and what the assets are. 

That will free up your ability to use the FHA loan program again and not have to worry about red tape rules.This will also give you the opportunity to live with your Fiance' and test the waters.