DTI will be your biggest issue in qualifying though, granted much more lenient on DTI (usually up to 50%) than an investment loan (usually under 40%).Last idea - give thought to downpayment assistance programs.

@Julius L Evans I can assist with your contractor needs in Hagerstown.

You have to see if for yourself. let me know if I can provide additional assistance.

I used a down payment assistance and will house hack to help pay for the mortgage.

Is there anyone that has a a formula to provide or would be willing to briefly chat to assist?

I'd appreciate any assistance you can offer thank you in advance....

  - consider working for real estate office - receptionist, assistant, anything. also consider becoming an agent. - do not over leverage, do not spend on stupid stuff, save up, keep reading,  meet people, be nice and kind to others - it does pay back. good luck!!!

Hood luck let me know if I can assist or if you are interested in eXp Realty. 

If you select a market with population growth, jobs and wage growth, a balance between supply and demand and a diverse range of employers you will do just fine.

One more thing to consider is if the lender will work with the various "First Time" home buyer down payment assistance programs availabe, some based on the home's city.Reach out to me for more details.With warm regards,Tim Theiss , Associate Broker Keller Williams Biltmore Partners Phoenix, Arizona