Last year was very difficult now I have a fairly large medical bill I need to pay off.

Right now, I'm using my current unit for traveling medical professionals and personal use (out of state; FL).

(I adopted a special needs baby in 2020 and he has 3 to 5 medical appointments a week, so that can keep us busy.)

(Unless it was an unforeseen circumstance - Medical, death etc).FHA only requires 3.5% down and in most cases if you do not already have 3.5% saved you may want to re-think home ownership. 

There are some exceptions to this - if you were disabled and your boarder income was from medical staff and other things like that. 

@Teri Feeney Styers I'm on call 12/7 (that's half of 24/7) at a medical clinic. 

Columbus continues to have growth in financial, tech and medical sectors.

What is the minimum amount of coverage for dwelling, structures, personal property, fair rental value, personal liability (each occurrence), and medical payment to others?

@Eric James @Russell Brazil @Andrew Postellto be clear, she's been working at the same hospital for over 4 years and called in very few times (Just like any other employee). the fact that she has a medical condition that allows her to call in doesn't mean she doesn't have a stable income.Based on your comments it sounds like a person with MS should not be qualified to lease a car, buy a house, or get a student loan.

If it's something like unpaid astronomical medical bills I would be more understanding VS it being something like an unpaid auto loan, unpaid credit cards, etc.If the rental market is soft in your area then sure - consider a strong co-signer - but if it's a more competitive market tenant-wise you should be receiving some better renters.