So you have "qualified=yes" FTHBs that can't buy a home because no one wants to invest the time...

I am trying to plan my next purchase, but what is most holding me back, is that i am on commission, and cannot qualify for much as my 2 year mark (when commission is lend-able on) is not until OCT. 2019.

Will I need to qualify for the loan in order to be a part of the trust and have the house under the trust?

You open yourself to more options if you do so.There are many qualified accountants/CPA's on this messageboard.

Hi Mark, it really becomes a matter of how motivated you are to hone the skill set of each category, and they have their similarities and unique characteristics.  

If you can qualify for an owner-occupied loan, I'd buy a duplex to fourplex near your schooling.

The debt, the resulting credit rating are the stumbling blocks That said, I am highly skilled and can make the moves necessary to change that.

It depends on your skill set and what you’re willing to put up with.

@Don NelsonPenFed - Pentagon Federal Credit Union If you don't meet their government/military membership requirements then you can always make a small donation to their charity to qualify.

Since banks use debt-to-income to qualify/approve you for a loan, how do you get around the "debt" part, since income isn't yet established?