Hello, I'm a mortgage professional.
You would be able to combine all incomes.
The credit and debts for any borrowers on the loan would be considered.
You may not need to include everyone. You can just add whomever is needed to help you qualify for the amount your looking to borrow.
We have no money down and low money down programs avialable.
I can lend nationwide and I'm available almost 24/7.
If you would like help with this you are welcome to contact me.