these fast food/minimum wage jobs aren’t *designed* for someone with a wife, 3 kids, and a mortgage. They’re designed for high school and college kids who are living at home. $750/hr for 30 hours per week is $900/month. It would be VERY difficult to only make that much, and be out on your own. It’s supposed to be a STEPPING STONE to the next thing.
But it doesn’t sound like a standard mortgage that you’d get from a simple re-finance. That’s what gives me ‘pause’… Is there any stipulation from the USDA on WHAT the loan needs to be used for?