My daughter 31 yrs old, didn't bother with college and she only makes 22 or so dollars per hour in the medical insurance profession.  

Do you have an emergency contact that you can contact?

If that’s possible without depleting it or not giving you an emergency fund etc. then, if the DTI was your only issue, perhaps mom wouldn’t be needed.If you decide that having mom on there would be the way to go, as long as you don’t have a mother like mine, then go for it!

.- Emergency housing allocation of $10 billion.

It may not be your best bet for a buy and hold. but it can come in handy for renovation dollars and having an emergency fund. 

Oh and I do have my 6 months emergency fund in SAV account. 401k at my job and I purchase in 2 monthly installments of $150 each a REIT through an online DRIP.

And to answer the question above yes, I still have a manual lockbox for emergencies.

Hi Dinesh,At the end of February, The City of Jacksonville announced a $28.9 million grant from the federal Emergency Rental Assistance Program to help Duval County residents affected by the pandemic. $23.8 million will be for rental assistance and the remaining $5 million will be available to cover past due utilities.

It has a reputed medical school, it is a popular Caribbean vacation spot too.

Stacking the ARM trick on top is especially popular as a special loan just for medical doctors, basically taking advantage of the fact that their 10 years in school didn't include any personal finance 101 component.