I would like to purchase a condo, and with my low income ($ 21k) I am wondering if a lender would approve my required 35% front-end ratio for a mortgage. The condo is $ 80k, and I will be making a down payment of around $ 18k-20k. My credit score is 760-777. I have ZERO debt. Would lenders see me as reliable enough to give me a $ 60k loan with a 35% front-end ratio?