The code said the following:Made affordable to very low income, low income, or moderate-income households (30% of 50% AMI, 30% of 60 AMI and 30% of 100% AMI for rental units)The code has made the affordable housing income requirement very clear but it doesn't tell us what is the ratio required for each income group.

I think your next step should be talking with a lender to learn more about the home-buying process and get an idea of what your household can afford, then narrow down a location you're comfortable with from there.

Consider that rents are usually 1/4 to 1/3 of the household income and that rent is the single largest expense for the household.

I am a mixed status household, my husband has asylum documents, but hasn't had his court date and he doesn't have a SSN but he does have an ITIN number and I have an SSN. 

@Alex Ng- if you want to use the 97% conventional loan  for your  1st home - it needs to be fopr a primary  residence ....2) you can also  use a FHA loan for a primary residence  purchase   3)  if you own a rental  property  before you buy a primary  residence - there  is likely still a 97% ltv  propgram you can use for a  primary  home without needing to be a first time buyer  ( but  your household income needs to  be under the county median income )  ......on  cash out refinance loan - you are limited to  a loan to value   of  75%  

Boiler System:How it works: heats water to produce steam for heating and hot waterWhat it does: provides heat and hot water for a household or buildingWhat can go wrong: malfunctioning components, leaks, pressure issuesAverage repair cost 2023: $500 - $3,000Furnace:How it works: burns fuel to heat air that's distributed through ductsWhat it does: provides heat for a household or buildingWhat can go wrong: malfunctioning components, dirty filters, pilot light issuesAverage repair cost 2023: $300 - $2,000Water Heater:How it works: heats water for use in sinks, showers, and appliancesWhat it does: provides hot water for a household or buildingWhat can go wrong: malfunctioning components, leaks, sediment buildupAverage repair cost 2023: $200 - $1,500Gas Meter:How it works: measures the amount of gas being used by a household or buildingWhat it does: helps accurately bill for gas usage and monitor usageWhat can go wrong: leaks, malfunctioning components, inaccurate readingsAverage repair cost 2023: $100 - $500Electric Meters:How it works: measures the amount of electricity being used by a household or buildingWhat it does: helps accurately bill for electricity usage and monitor usageWhat can go wrong: malfunctioning meters, faulty connections, inaccurate readingsAverage repair cost 2023: $100 - $500Plumbing:How it works: distributes clean water and removes wastewater and sewageWhat it does: provides access to clean water and maintains sanitationWhat can go wrong: leaks, clogs, low water pressure, faulty fixturesAverage repair cost 2023: $200 - $1,000Roof:How it works: provides protection from weather and elementsWhat it does: keeps a household or building dry and structurally soundWhat can go wrong: leaks, damage from weather or debris, aging materialsAverage repair cost 2023: $300 - $3,000

Further, this model requires investment in furnishings, household items, lease security deposits, first months rent (or more),  marketing, advertising, insurance, etc.  

She came up in a very risk averse household...

The passive activity loss rule limitations can be complex.Filing a MFS may potentially not fix your issue if you both live in teh same household and /or each have income above $75,000.Speak with your tax advisor

If you are renting in these neighborhoods, set some strict screening requirements and set house rules to establish what your household will be like.