I'm not shy, and maybe it will help someone else.
I'm not working right now, so the loan is all in her name. FHA loan. Not a high loan amount at all. The only payments in her name are $130 student loan, a $170 timeshare (yes, we're those idiots), a $240 capital one bill (13k balance on 16k credit line), and our old mortgage on a house we are renting. The rent is $1400 and our monthly payment on that loan is $1336. I understand she can only use 75% of the rent as income for the new loan.
Her income is about $3500/month, but she is getting a $8/hour raise this month (that contract has been provided to the lenders).
Thanks again. I'll PM you to see what private info you need.