However, some people prefer "A" areas or units that are newer, in which case the target areas would be different.I also built a script to analyze active listings on the market and output yield estimates, risk scores and rankings within a few seconds.

There are definitely some which are better at mortgages than others... but they will all look at your DTI and credit score.

Estimated Tax Payments: Lesser of 100% of the tax shown on the taxpayer's return for the preceding year or 90% of his tax for the current year.

Credit scores identical?

I just didn't want to have to live with roommates until I was 30, lol.There is no reason you can't buy a house when you're 20, if you have the down payment and a decent credit score/report ready. 

By this time next year, my goal is to have improved my credit history/score and to close on my first home.

We both have credit scores above 740 and make a combined income of $230k.

First things first, I have 20k and a credit score around 680-700.

So you are doing all the work and providing the credit score, he is contributing $10K for the down payment.

Both homes newer single family homes under contract for 205ishK; in MissouriJoint Application: Credit Scores High 700s; low 800s; 25%+ down, 47% DTI w/o rental income; under 40% with 75% of market rate rent on new homes long employment history; significant reserves; down payment in 1031 escrow account ready to go.