Obviously that should have read, "the seller picked up the closing costs." Oops. Y'all knew what I meant.

And your comments about income & credit scores are on the mark. My salary doesn't suck, but it IS pretty modest. One thing I did focus on was spending several years building my credit score up to a pretty respectable level. I ended up with an 1150 square foot 3bdrm/2bath house a little north of Nashville. For a single guy, that's plenty. And for my first house, it was all I could ask for.

M22ti mains, EP175 sub, VP150 center, QS4 surrounds