u/Best_Curve_7165

I have a bit of an interesting situation I’d love some advice on. I make about 68k, my wife recently switched from a w2 job to a 1099 job so we’ve been told her income won’t be usable to qualify so I’ll need to apply by myself using only my income. My only debt is a 380 per month student loan. I don’t mind being at the absolute top of the approval range since my wife makes an extra 50k we’re not figuring in. My question is if I apply alone is jt worth it to buy down the rate to help get the monthly payment into my approval range and get approved for a more expensive property? We have about 65k saved up. We’re first time homebuyers so we really don’t know what our options are. Any help is appreciated!