The poor purchase decisions he was citing were largely OOS purchasers that did not fully vet the neighborhood and was purchasing in lower class neighborhoods. 

Maybe other lenders will go lower?

I read articles about cataloging everything and sending them a notice to claim it within a certain time frame.

All goes according to plan my fiancé will have a real estate license by the end of October and I will start my next full time job on Oct, 8th.I am concerned about my eligibility to obtain a loan and would like to know if anybody has advice on how they would go about tweaking numbers by paying down debt and lowering the down payment to lower the Debt to income ratio to get approved or if they think I sound like I’m in a sound position.

Otherwise you've just incurred more expenses and lowered your ability to save. 

.- You may be able to qualify for a loan at a much lower interest rate than a loan to flip. - If you live in the house for more than 2 years, you may be able to sell without paying capital gains taxes.

otherwise  most mortgage broker will do Amortize 20-25 year and 5 year term with lower interest .

Food for thought.Another option that I have investors employing now is a combination of separating cash and debt to create an environment of lowered risk but good return using the 1031 exchange to separate debt (risk) and cash (security). 

I was thinking more southern states that have lower maintainence(no snow to plow).

I think there is a minimum time frame you have to give them.