This is kinda what I was afraid of happening if I tried to do that. I talked to the guy from NBKC yesterday, he mentioned manual underwriting but didn't sound like it should be a problem. He seemed to agree that 150K was a reasonable target home price on first year regional pay, and Zillow has a good number of ok houses in that range in North Ft. Worth where we're looking.

Interesting point, he said that despite the bonus, they can't count that toward your pay unless there is proof of it continuing, which obviously can't be done unless the regionals change something. So I plan on discussing it with a financial advisor, but plan to use the bonus to pay off wifey's student loan and eliminate monthly debt payments since TX is a community property state and that $250 a month would count against our debt/income ratio.