I already mentioned in my post that I'm not going to discuss the homebuying timeline. For reasons both personal and circumstantial, our next home will be purchased and not rented; not discussing that further.

To your last point, it's not a matter of me not being able to be on the loan. We are approved regardless. It's a question of whether or not the lower payment with my fiancee being the only one on the mortgage is worth any potential downsides.