It depends on when in 2010 you declared bankruptcy and if you filed chapter 7 or 13. If 2 years has gone by the possibility exists that you may get approved for a mortgage if you otherwise qualify. Have you re-established any credit? This is key to getting approved post BK.
Lenders will look at both borrowerâ€™s credit and income. As a married couple your BK will reflect on her and without her having established employment she won't likely qualify without your income.
Ultimately it will come down to applying with a good local lender and seeing what may be possible. You can start with your own bank, but share with the loan officer your circumstances. When I was an Loan Officer I kept close track of my lenders requirements and wouldn't have you apply if I already knew you couldn't meet the guidelines. But I did then review the steps necessary to help a borrower qualify sooner. Talk to a lender and see what may be possible.
As to renting, each landlords sets their own guidelines as to what they feel is acceptable credit. There are many renters out there with BK's & Foreclosures right now so there are landlords willing to rent to tenants with credit issues. Some may require a larger deposit and a letter of explanation of what caused your credit problems and some assurances it won't happen again.
Speak with a local lender about what their requirements are and give them the basics of your situation. They should be able to hep you with more detailed information.
Best of luck.