Credit cards, student loans, plain ole vanilla mortgages, etc. because they have somehow managed to mess all of these up at one time or another.

I have raised money, had done creative financing through credit cards at 0% interest rate, relationships with Hardmoney lenders, and have just started my pursuit with corporate credit andBig lines of credit.

So lenders collect what I call a "cushion" to make up for that, so when you start making your payments your loan is on track.

If you use your VA eligibility right now, then when you get to your next duty station and want to buy a nice home, you'll be what's called a 'MULTI user" and then over 3 points in VA Funding Fee will be stacked on your next VA loan.Here's what I'd do...or the subject property, since you have 10% down, do a FANNIE MAE  1st mortgage 80/10/10 = 90% Cltv)  purchase programEX:  180,000 purchase$144k  80% ltv - 1st mtg on a low rate Fannie Mae loan$18k    10% ltv - 2nd mtg (simo purchase money 2nd mtg) eliminates the PMIgives option to waive escrows you divide and conquer, meaning you can knock out the 2nd mtg. and drop total payment leaving just 1st mtg. paymentAlso, in lieu of a discount off sales price, simply negotiate seller credit to pay your closing costs (note: up to 6% of sales price seller concessions allowed)   

They have secured loans from some veteran credit union to pay the last 5 months rents.

@Aaron Vargas Not to beat a dead horse, but pretty much every large lender throughout the country will do down to 3.5% on an FHA owner occupied loan on a 1-4 unit as long as your credit score is above 580.

I’d try to some local smaller credit unions and savings banks.

W/o specifying the amount of loan and downpayment, credit info it is hard to tell.

You may be eligible for a credit for the taxes that you pay to the other state.If you do the tax return by yourself - make sure to capture items on the closing documents onto your return.

If you personally worked with or know anybody with good track records that you can refer to me, that will be much appreciated!