A client, from Los Angeles, lived in a rent controlled apartment that was recently sold. As a result, he was offered $19,000 to move out. The client agreed and decided he wanted to buy a condo. Unfortunately with an income of $3,000/month, his qualifying ratio was too high.
The solution was to have someone (possibly his parents) act as cosigners, but not every cosigner can help improve the ration because of their own liabilities.