Daughter, in her 40’s lives with her Mom (whom the reverse would be for). The daughter has cerebral palsy and I’m not sure how you define self-sufficient but I believe she lives with her mom as it saves money for both of them and it just makes getting around easier. That said, how do I work residual income? Do I call it a 1 or 2 person household?
You can do this two ways. 1st would be to use only borrower income/expenses and use household size of 2. If she cannot qualify that way then you can provide documentation on daughter’s income and we can use household size of 1.