He moved in, and then lost his job.

They probably have minimums or if it’s a small job you will more than likely get prices all over the map.

I work, I just don't have a steady "job".

If you are really new and don’t have anyone you know then go to the city and ask them anything and everything you can...planning, zoning, building departments, fire, development, Enviromental, concurrency  ect. ect. that is there job and why we pay taxes.

We need to make a decision rather soon as we are moving to another state for a new job in the next 6 weeks.  

Austin did a great job specifically pointing to the text of the bill. 

Finally, At what point should I stop doing OT from job to build income?

That is assuming that the buyer is willing to wait the six month period.If your agent isn't performing his job, speak with him about it.

-RobBtw, it's the title company's (or closing attorney's) job to handle this. 

Suggest a FHA lower down payment larger MF in a more active town with high paid jobs....