My fiance and I are toying with the idea of buying an income property to rent out. We rent an apartment now, so ideally we'd love to get a duplex, live in one side and rent the other out. However we're both young (25) and my jobs haven't been steady for a year, so I don't know how that would affect getting a loan for one. ANyone have experience with this stuff. Also one concern I have...I have great credit, she however does not. While we are soon going to be trying to clean hers up, we don't exactly know how bad it is yet and it won't be clean by the time we get married. Will lenders accept one person on a loan but figure in both of our income?