Thanks, everyone. You guys and gals are great and gave me exactly what I was looking for. I really appreciate your thoughts and your time to respond. Thanks for the link, Inparadise; I definately neeed to spend some time there reading.

CCincOC, my back end ratio is good and well below 45%. All my numbers work for buying. I just wanted to be able to consider some ideas or run some rough numbers with the eventual rental conversion in mind at the outset of the buying process rather than 5 years after I bought a house.

Thanks again.

mhtruck