You would deb best to contact a mortgage broker to get the answers you need. If there is housing in the area you live that would allow for an income level of $3000.00 a month then they will be able to help you get approved then your house hunt will be on... where there is a will there is a way! Everyone should be able to own their own home... that what this country is all about!
Good luck to you!... more
I would say a rent to won could be a good option for you till you get your credit issues cleared up and scores in a better range to get lower interest rates.
1) Start doing your home work on fixing your credit, hire a great company if you have to help.
2) Talk with a mortgage broker to see where you stand on buying to rent to own and on buying options, make sure you can qualify before you get to far ahead of yourself. You don't went to walk in with your eyes closed to find out later it won't happen....
3) Pay down debits, don't buy/lease a new car, or take out any loans.
3) get some credit cards if you don't have any only put small amounts of money on them each month and pay off balance as soon as bill is cut.