Realtor/Lender Frustrations!!

its a shame that our younger generations have to suffer thru this type of struggles. I would try looking at an owner that will help with financing. I know here in our area there are many that will do this. You also need to work on getting your credit rating up some. There are many theories on ways to do that. Im not sure which ones are the best but take some time to look into it. It sounds like you are working very hard to better your life. Im applaud you for that. Dont give up. Best of luck.
Rod