Look it up here on BP if the term is foreign to you.If your finances are in order (clean on paper), explore what programs are available to you for a primary residence.

The Unlicensed Activity Program within DBPR exists to serve the state of Florida by vigorously examining compliance issues, comprehensively educating consumers about unlicensed activity and thoroughly investigating complaints against unlicensed real estate professionals.DBPR relies on complaints from both consumers and licensees to help identify suspected unlicensed individuals.

I know someone who spent a small fortune on a FortuneBuilders program, and I got the better deal BY FAR. 

Its pretty much the whole premise behind the program.

I currently attend Wayne State University, and I am in the Engineering Program.

I currently attend Wayne State University, and I am in the Engineering Program.

Census, JCHS Household Growth Projections, Goldman Sachs)Job Growth - Trending positive - GA more businesses consider expanding moving here (Porsche, Mercedes Benz, Statefarm, Baxter, FirstData, NCR etc.)Lower VacancyWeakness:Prospects for rent increase will be slowerOpportunities:Affordable housing program for low income groups. 

I happen to think lease Options done right- full disclosure, tenant buyer in a credit repair program etc- serve a purpose and have value.

I live in a home which a state program helped to get me into.

The lender will still add the last previous years together and dived by two and take the middle income.My advice to you si that you should find a top lender in your area, one that is been in business at least 12 years, meaning that he was in the business when the "creative" way of lending was done and can run numbers on his calculator, not input numbers in a computer software program and see what the automatic underwriting tells him.