If you want to buy a home, by a duplex or a triplex. This way it changes your dti (debt to income) ratio to your favor. Say you were told you can only get a loan for 200k for a single fam. With a multi it chances that cause you now get to add the other units rents in to your income.

Also if you are trying to buy now there are some great first time home buyer’s programs out there. Remember your marring the home, dating the interest rate. Which means yes the interest rate might be high now but if it goes lower you can refinance later.

Also right now is the best time to get a side hustle if you can have a side hustle that’s a w2. It would benefit you in the long run. As long as you have had it for a years worth of w2, it will change your dti. Don’t loose hope you will get what you want if you work for it.

Also don’t be afraid to contact a few loan officers or brokers. You can shop around, some have been on a high. And don’t want to work too hard to look for good programs for ppl. Because there has been so much going on in the last 2 years.