>>508938626
you can get a starter home on the northwest side of town (the majority white R+40 side) for 400k

with 20% down this is a 2600/mo payment (DTI limits are up to 45% of gross income)

2600/mo divided by 0.45 = 5777/mo = 69k/year

if you put the minimum down (3%) then it's harder, you will have a 3165/mo mortgage, but you could qualify for this with a 84k salary

teachers in bakersfield START out at 63k/year, if you have 2 working adults you will easily qualify for a mortgage