You could probably get approved for about 180,000 or maybe even 200,000. You dont need money to put down. It should not be that hard to find a seller to play closing costs. let me know if you would like some help or some advice shoot me a PM. Any income helps, OT is good as long as you can show its consistant. I have worked with a few people in your situation, and I have helped them get into a house. Just one problem would be credit, but there are ways to help that out. Even when renting you have to get a credit check by most places.