Next year i'll hit top pay and should start bringing in 1.2-1.3k a week. and the year after that i plan to move to linehaul and make about 2k a week.I do have a lot of debt, or at least it feels like it to me. the breakdown being;23k in college debt i got getting a bachelors that i never used across 5 loans ranging from 3 to 5% interest rate5k in bank loan debt i got getting my trucker cdl a at 12% interest rate.2.5k in credit card debt from not having an emergency fund and then having emergencies.

Backstory: 22 years old about to get out of military after first contract. 70k cash saved up & 775 credit score, no debt.

I went to my local credit union, Wells Fargo, and United Bank and each one turned me down after "checking with legal."  

If you develop a great relationship with local credit unions, you'll be surprised by what all they're capable of.   

Mortgage lending is highly competitive, and there are many newbie loan officers that will bend over backwards to get you to pull a credit report and pay for an appraisal.

What's your credit score looking like?

Instead, it is grouped under another address in the same community, which happens to have the lowest price.

Both of these financing can be obtained as long as you have good credit. 

Can her status and credit be of help as well?

One option is to give the front house a credit for water based on averages, but I don't know if I would agree to that as a tenant.