In general you need to be on the loan to use the income. You can't use one persons credit and another persons income. What you can do is find a lender familiar with credit repair and see what they suggest. Ideally they do USDA or have other options for you.
USDA does have income requirements. It has to be enough to purchase, but not out of range for the community. I had buyers that made too much to qualify a couple years ago.
Rather than rely on us here. Find a great local lender who can assist with credit repair and get you qualified sooner than you could on your own. Best of luck.... more