# What is the biggest risk in a spousal buyout file?

> The single most common failure point is the 'Income Gap.' Most families qualify for their home on two incomes; qualifying on one income while paying support is extremely difficult under the stress test.

Category: Legal
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/legal/what-is-the-biggest-risk-in-a-spousal-buyout-file

## Answer
### Section Summary

- Strategy: If the remaining spouse cannot qualify alone, a 'Co-Signer' (e.g. parent) may be added to the title temporarily.
- Goal: Finalize the 'Release of Covenant' for the departing spouse immediately upon closing.

## Related guide
- https://ratellow.com/guides/spousal-buyout-program