FHA Loan Prequalification Questions

[Dave Mason]

Hi all, I'm currently conducting research for a novel in which the main character is pursuing financial independence. I'm writing a scene right now in which he's sitting down with a loan officer to get pre-qualified for an FHA loan that he intends to use for a house hack. I'd love to speak to someone who has experienced such a conversation to get a better sense of the questions asked and other relevant details to include.

Specifically, I'm trying to figure out how much he could realistically borrow if he's a school teacher making $45,000/year, and he's going to be able to live in one unit and rent out three more, let's say for $1000/month each. If anyone has any advice on this or would be willing to conduct a 20 minute interview on the subject (for personal use, not for rebroadcasting), please let me know.

Thanks,

Dave