My first job makes $12/hr, and my second job makes $13.60/hr.
They aren't counting my second job because I've worked it 17 months, and they require it to be 24 months.
Thenthey tell me that they need 75% debt ratio as a down payment. Meaning if a house were 100k, and I make $0, then I'd need 75k down payment. But since they're only counting my first job, that's only 20k.
So on a 100k house, I'd need 55k down payment. Since 75k minus my 20k salary is now 55k. Not only do I not have 55k, but also the houses I want are in the 130-160k range.
But nooooope.