I am a recent graduate 150k student loan debt, cc $11k car loan $450 a month. New job offer $53K starts 9/1. I did not work while in graduate school. My husband worked same job since 5/18. But income was significantly reduced last year( received unemployment) now he works 30-50 hours a week with mostly overtime and double time. His Ch 7 was discharged 7/19. Our middle scores are around 658-660. His hourly rate is 26 but his pay is more overtime and double time. he has small credit rebuilder cards of less than 1000 limits across all 3 reports. his income is around $60k, We are first time homebuyers Can he buy a home for $100k or less rent rooms out $850x3, and I do the same and use that to qualify for a home around $490K. We lived on savings this last year and are down to our last $5k we would each buy a home without any first time assistance programs that have a occupancy requirement. Once rented we would use our income and rental income to build savings to about 15k. And we want new construction and will finance our cc. Is this possible?