have your information handy - income, debts, etc. just tell them you're not ready to have your credit pulled but you'd like to know what you might qualify for.

@Ben Tilbury, I have used UIF Corporation for multiple mortgages. 

So the real question is whether you have other income & reserves to invest locally.

The tenant is telling the PM that HUD was approving based on old income and they are going to have it readjusted.

Pay Attention To Your Credit Score Although we don’t have any income requirements, we do want to know that you are on solid financial footing.

I have looked into the DSCR loans but you would still need to come in with a large portion of the down payment correct (the remainder of what is under the 75% loan to rental income )correct?

@Robert Rixer what worries me about MSP is rent control, unfriendly business policies and no real large corporate growth.

I'd honestly work on increase your income and saving more, try to get to 40K then go the hard money route.

More info here:DSCR loans won't use your income to underwrite the loan.

I do think though that if you want to live in one of these desirable locations, you better have a solid job and income lined up because at this point you should know better.