Finally got done building personal credit enough to seek pre-approval (as I have only just turned 21 years old).

If you want a legitimate preapproval then you should be doing a tri-merge "hard" pull.  

Thanks in advance:What's the best way to determine if a buyer with an offer is qualified?

they'll be able to guide you on what programs are available, how much you'll need to close, what you would need to get pre-approved, etc.if you start with a house hack you're going to be ahead of the game in the long run, so it's OK to be patient for a year or two. 

The bigger thing is understanding that pre-approvals give you a ballpark, but your actual rate gets locked only when you have a signed contract.

That would be identified through the pre approval process if done properly.  

Home prices have edged up a bit, thanks to steady interest from buyers who love the lifestyle and amenities our region has to offer.

Does NACA allow buyers financing over appraisal if the buyer offered significantly over asking price?

Quote from @Brooke Morton: Reaching out to see if anyone can recommend a bank in Asheville, NC, that offers a loan when buying land?

Found them on fb along with a few others offering 30Yr DSCR rental loans.