The 43% DTI will likely be the ultimate limiting factor. Average down payments are in the 10-20% range already in major metro areas. 3% has been available for years, but it’s largely theoretical.
There’s also the paradoxical effect of low-down loans being most available to high-income people who need them the least due to DTI rules.
This being said, military is just another job. No reason why anyone on the gov’t dole (incl military and vets — considering there hasn’t been a just war in 60+ years) deserves more than the average Joe.
