Income note: RN base + overtime + shift differentials. 2-year history required for overtime to count.
Key challenge: Travel nurses face extra scrutiny. Agency income requires 2 years of consistent 1099 history.
Your advantage: FHA loans work well for nurses — up to 50-57% DTI with compensating factors. Some states have healthcare worker housing programs.
On a $85,000 annual salary, your gross monthly income is $7,083. The safe housing threshold (28% front-end DTI) gives you a max monthly payment of $1,983. Phoenix's median home payment is $2,742/month — leaving you $192/month over budget.
Renting in Phoenix costs roughly $1,520/month for a 1BR. Buying at 36% DTI would require your maximum affordable price of $412,612 — below the city median.
Ask Zai with your actual salary, overtime, and credit score.
🏦 Ask Zai Free → 🔔 Set Alert 🔍 Decode DenialNot financial advice. Median salary data from BLS Occupational Employment Statistics. Mortgage calculations at 6.7%, 20% down, 30-year fixed. Actual qualification varies by lender, credit score, and existing debt.