Yes ,you probably can use the income, but give us a call and we can discuss. We are a Mortgage Broker and have many resources to go to. Please call me and we can discuss and plan a strategy for your unique needs. 702-939-2474, Johnny , North American Financial, no obligation
Do you declare those incomes on your federal taxes? If so, then yes, you should be able to use them as long as you can show consistency. I recommend speaking directly with a local lender and obtain a complete pre-qualification.
Call me today and ask me about my City 1st Select loan. I can use 24 bank statements to calculate your income, and I can go down to a 500 FICO if you are looking to purchase. Call 702-522-6745 and ask for Nathan. You can also find me at the link below. Look forward to speaking with you.
It always comes down to debt/income ratio, FICO score and tax returns. If you are going with a lease option, the rules are up to the owner that is financing you. I would suggest that you talk to a mortgage broker to find out EXACTLY what you are looking at. With a lease option, you will have a much bigger down payment(which may be forfietied if you do not complete the agreement) and a higher interest rate.
Call Toni Rocco at Alterra Home Loans. She can get you a plan and tell you what is possible.