Big banks and credit unions tend to claim that their overlays are from fha/fannie/freddie/etc, when in reality these are obstacles that they have made up out of thin air.Is your warehouse associate income either salary OR hourly with at least 40 hours/week guaranteed/expected of you? 

I like the following quote about fear, which I read in Grant Cardone's book, The 10X Rule:FEAR = False Events Appearing RealI have found this to be very true in everything I do in my life, when we focus our minds on what we can accomplish, and do whatever is necessary to achieve our goals on a daily basis, we have no time for fear because we are constantly overcoming new and exciting obstacles. 

That's just one example, but you get the idea.Here is the basics of how it works: the carrier orders a dwelling evaluation, with overall photos of the house and any detached structures, including close-up photos of all hazards, liabilities and conditions, as well as the roof.

You will still face some obstacle with refinancing, since the property is not seasoned, but if you cant refinance for 75% of the property, you can still find lenders who will lend between 50% to 100% of what you paid for it.Good luck

@Wilson Pereira De Oliveira Agree about the fear of making mistakes being a big obstacle. 

This leads me to my only obstacle; Am I within FHA guidelines if I choose to move out of my bottom unit?

What are obstacles did you observed will constantly changing your primary residence?

One unit rents for $1300 and the other for $850 (minus me paying utilities).Realistically, 2 people couldn't live in my back unit (it's a small 400 SF detached studio) so if this were you and your wife, then you'd certainly have to occupy the $1300 unit.

The primary obstacle at this point is that he’s a horrible record keeper.

and i have been in the real estate finance business since 1995. i have owned a mortgage brokerage as well as a property management business. i have worked on wall street in sales as an investment consultant, but now i am here in alabama (by choice) but with no money. i am able to come across attractive deals, but often face huge obstacles when attempting to close with no dough!