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I was thinking of starting doing some manga work, but I have read of all the different pens, pencils, and paper people use. I was basically thinking of doing pencil sketches then scanning them and doing all the touch ups on photoshop and Manga studio. So is a simple pencil and paper going to...

I have a very good credit score, have had a stable / same job for 2 years. I have some debt, but I don't think it's too crazy. I am paying sooo much more in rent than what a mortgage + insurance etc would cost me. I have some money for a down payment if necessary but I'm not really sure how...