Since your husband’s score and DTI are the bottlenecks, here’s what I’d do:Focus on improving his credit over the next 3–6 months — pay down balances (especially if any are over 30% of the credit limit), keep accounts open, and avoid new hard inquiries.

May greatly improve cashflow!

To help with this down the line, document all improvements and keep permits in order.

Proper planning can also improve your negotiating position in legal disputes and potentially lead to more favorable outcomes.To navigate these areas effectively, I strongly recommend working with qualified professionals, including a knowledgeable tax advisor who understands real estate and a seasoned asset protection attorney familiar with your specific goals and risk profile.

There absolutely has to be a correlation between living closer to family and an improved quality of life in our later years.

House hacking seems like a powerful way to offset housing costs, and co-living seems like a viable strategy for improving cash flow.I'm joining BiggerPockets to connect with people who are a few steps ahead of me, learn what I can, and contribute to the community.

This keeps it nice and simple, especially for small landlords who use texting as their primary method of communication.By removing forced apps & logins, rent payments become easier for tenants, especially for non-tech-savvy or older renters–leading to fewer late payments and improved communication & record keeping.Would love your feedback - would you try a tool like this?

The red shows where things have improved, but are still well below the norm (see graph below):Here’s what that means for you.

you sacrafice when young to improve your life forever.You mentioned FHA.  

Regardless on if you're in a college town or not, still need to run the fundamentals (comps to determine market rents, capital improvements needed, holding costs such as taxes and insurance).