For a personalized answer visit with any licensed loan officer. If you are on limited income, consider the economic factors of your lifestyle that would impact on your individual comfort level of affordability. A mortgage outside your budgetary constraints can dramatically alter your overall living conditions.
A second home on limited income? This sounds like question best presented to your financial advisor. Consider the following: Do I really need this home? What do you expect to gain from owning it? Can I afford its ownership? How will this additional financial responsibility impact the quality of life for my family?