[Wakka]

So you have no disposable income (paying car, car parts, rent, student loan, and odd things for your woman), you have nothing in the bank, and you want to buy a house?

Damn man.... You need to re-evaluate your priorities. You can get a FHA loan for as little as 3.5% down, but they are never going to give it to you with so much debt. Get rid of the car, clear your school loan, and get a cheap 99 honda civic or something. You'll be better off in the long run.