The partner will need qualifying credit and income, but the key is the other partner will need enough income to factor in your obligations/liabilities as well and still meet that 45-50% DTI threshold so if you have a lot of obligations you'll need a very strong income partner with min qualifying credit.You'll both be required to be on title if this is a conventional loan for the most part.Of course there are other legal and ethnical issues you'll have to hammer out between the parties but hopefully this helps you on the lending end.If by not qualifying you meant you dont have the "credit," (above I assume it was because of income because you did not clarify) then you'll have to gift the funds to the "partner," but since gifts are not allowed on non owner transactions you wont be able to proceed with that strategy, atleast from an ethical way point of view of conventional loans.

If however you feel everyday something is missing and you are not fulfilled or happy where you are then you know you were meant for a different path. 

@Michael Lantrip, I think you may have meant it the other way around.  

These guides are not meant to be all encompassing or detailed, only provide basics in simple terms to help beginners understand.

By capital expense, I meant the ongoing expenses to maintain the big item in the house.

And I'd like to think that's what BP is meant for! 

typo meant to say awesome group ;)

What I meant to say:sounds like a good plan!

I meant w-9.   

FHA loans are meant for homeowners.