How can I use my Fiance’s income on a mortgage loan without using his credit.?

I own my home. The house is in my name. We have been together for 6 years and have a 1 year old and a 4 year old. He has horrible credit and mine is bad. I want to put a large addition on our house. Is there anyway we can use his income without using his credit. I have been told that we cant. But could I say he pays me rent. His paycheck is direct deposit in my savings every two weeks.

I want to purchase a peice of property (A House in GA) that is dirt cheap, but my credit is so horrible I cannot even get a credit card. Are there any programs out there that I can apply for; with out my credit score being checked so often?

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