We have heard about others getting denied a home loan for the same reason, going back to school and no full time income.

We attempted to get a line of credit with Wells Fargo but was denied because my mother's income is low ($50,000/year). 

Sometimes they are tough but it all starts with an application to see what you do qualify for and what needs to be done if you are denied. 

@Alexis and spouse, if you do receive an Adverse Action notice and were denied in part because of credit issues, you can contact the credit bureau that did the check and get a copy of the report. 

It sure can't help Baltimore, there's no denying that. 

Because a partner's approval can not be unreasonably denied, not a good tactic if you get sued and everything in a contract needs to be first class, needs to hold up in front of a judge, otherwise, why have good contracts.The financing contingency is the strongest one you have, it is customary, it's been tested in courts, it allows a lender to say no for many reasons, if it has a bad inspection it needs to be fixed or they don't lend!

Sounds to me like the exact same scenario you already got denied on. 

You should only consider an application complete when you have all the information you need to process it and either consider it approved or denied.

In SC you can't deny access to a land locked property, in particular if there is an existing used easement/access way.

Lease option / rent to own - the occupant is renting, so the HOA would be allowed to deny such occupancy.