NINJA loans to the rescue:

In the pilot program, Freddie Mac says that applicants will be able to use the income of others who live with the borrower but who aren’t going to be on the mortgage to qualify. Also, income from second jobs that borrowers have held, even for a short period of time, can now be factored in. The program will also not require borrowers to come up with bank statements to show how they saved for their down payment.

Bullish. I hear several RE markets are sort of "hockey sticking" with regard to prices too, so we're approaching the apex.