Well, I don't think you have much of a choice! If you and your husband are unemployed, you won't be able to get a mortgage to purchase a house. And if you don't have a job it could impact your ability to rent. Most landlords ask for a job reference. If you explain your situation you should be able to rent. And that is probably your only choice. However, given your current low income, your kids could qualify for substantial financial aid. Maybe they should shoulder part of the burden.