<prompt> Human: My brother and i are 22 and 24 both with not so great credit that we are trying to work on but just arent stable enough yet to really start paying off debts. Heres the problem we are looking for a multi family unit in our area so that we and our grandmother can all move in together and help each other with expenses but we can get a loan. My brother has a full time job where he makes about 30,000 a year and takes care of his 3 kids and fiance, i am 22 and i run a business that isnt quite off the ground. Our credit scores are between 5-600. Ive been looking around for loan agencies that specialize in assisting low income households but i cant find anything and im honestly a bit confused anyone got any tips or somewhere to guide me?  <response>: Sometimes the limits to qualifying are for your own good. 