She would not sign off on the HAP (short for Housing Assistance Program) contract with the county.

We all know time in the market is better than timing the market, but still, how would you go about being prepared for the next market correction?

Put it in your name, prepare a letter explaining and have your tenant sign it.

But, I'm not sure how Home Possible (which is a Freddie Mac program) may or may not limit your access to an FHA loan.

Sometimes I look at BP while he is engrossed in Pal Patrol glued to my lap.I listen to the podcasts at the gym as my YMCA has a good children's program in the morning. 

There are loan programs that would allow you to potentially use that income toward the loan but it's not possible to determine your ability to purchase without the detail that an official loan application brings.Also, don't worry about your credit until you meet with a banker and find out if your current credit will not work. 

I know I need a lawyer or document preparer.

If that is the case, then chances are that you need to prepare for higher expenses over time than what you've been given. 

To offset the experience, you should be prepared to bring a little more money to the table. 

I've enjoyed the McRib seminar metaphor, especially the Platinum Masters Program.