If we are a couple, must both of us meet the requirements of a qualified buyer/owner?
No. Only one person in the couple need qualify as a buyer/owner. The other person must, however, be a qualified occupant. A qualified occupant is a person who meets at least one of the following criteria:
meets the requirements of a qualified buyer/owner
is a spouse or companion of a qualified buyer/owner
is a surviving spouse or companion of a qualified owner, if the unit was owned prior to the passing.