Why do you think there is no way you would be approved by yourself?
If it's due to your income, you could use part or all of the inheritance to reduce the loan balance which will reduce the payment.
It all depends on your specific situation.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115