Good morning, Debbie Holmes I highly recommend YOU sit with a couple of well-versed mortgage brokers who have access to all of the mortgage programs with flexibility for your people.... once they get into a home and their equity continues to grow, they can refinance and reduce their student loans.... or maybe there are better methods.... there are always new programs surfacing....

You are facing a problem that is common in many areas of the country. Barbara Todaro gave some good advice. I think it's time for coffee or lunch dates with some mortgage brokers, including independent ones as well as the "big banks."

Hello Debbie,  One of my lender and me are doing a homebuyer semiar and I am mailing out to 2 rental complexes that I mail to ever quarter aleady so they no my name and picture.  Renters will buy sometime and my lender can show them how to work on their fico score.

Hello Debbie - regardless of local market conditions or other factors impacting real estate, thinking outside the box is a good as well as a mastery of the basics.  Refine or Redefine.  Sometimes it's that simple.  At other times, there are aspects of our own business and ourselves that need reflection.  

You need to sit down with your broker and develop a plan.  Check with, establish a working relationship with a great mortgage banker.  You might be superwoman but you can't do the impossible.  Use your time effectively and dont waste time trying to do something that can't be done.