While i believe it is significantly less than what you have now, there is a number that banks normally wont surpass.

Since I'm not full time my concern is I wont be able to get affordable healthcare.

As I am realizing just how much I had been missing out on my whole life, 4 days after our baby boy was born, my 36 year old wife suffered a 1 in 100,000 complication of pregnancy, a massive bilateral brain hemmorhage right in front of me. 

Can I sustain this sort of physical abuse for another 30 years and actually expect to squeeze out any sort of quality of life for the "retirement" I probably wont get to enjoy?      

What legal things need to be addreess with a private loan to not have legal issues and how come equity partnership wont have legal issues.

I'm a gc and I agree with your GC ideas somewhat.I agree for any REHAB job under 40k, you dont need us and a real GC wont even touch those jobs.Me personally I don't even look at a job unless the budget is 200k and above

While I can see the appeal of going with a cheaper used unit, there is no guarantee it wont succumb quickly and out your right back in the same situation.

I wont make that mistake again.

I mean many wont even look at or show renter occuppied homes becasue of the hassle factor.

HMLs wont normally lend 100%, but some do allow you to borrow funds for the down payment, therefore allowing you to do l the deal with no money out of your pocket.