Lynne:
You asked a great question. However, you really need to talk to a lender in your area to go over the specifics of your situation. You do have regular monthly income. But, the lender will check your credit history,credit score & your outstanding debts (credit card balances, a car loan balance, etc.), among other factors used in the credit granting process.
I hope all goes well for you.
Best regards,
Pat
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