Advice on lending

[Tyler Youtzy]

Have been in a less than ideal situation, and hoping for some advice that maybe I haven't considered regarding a strategy to use for getting a loan or maybe where to look for different lenders. 

Happy to provide more details if theyre relevant. I sold my house in order to pay off my ex in a divorce, and I'm currently staying with my sister until I can get into a new place. I'm in the national guard, and typically work in a full time status, but because I'm working through the commissioning(~promotion) process, I'm unable to work for the short term future until I get a reservation for a training slot and complete the training. Without having the current employment, lenders havent been able to really help me out.

My credit scores are above 800 and I'm sitting on about 140k liquid, looking to buy an apt/condo in my market that will probably end up being low-mid 200s. 

At this time, the only debt to my name is approximately 10k left on a vehicle loan, and bills are essentially just phone, gas and groceries. 

Any advice is appreciated, BUT I'm not looking to spend all my cash at once right now on something like a BRRRR or fix and flip, I really need to get situated into a primary first since most of my belongings are in a storage unit.

Potentially have some family who could cosign, but not sure how effective that process is and whether a 200k loan is feasible going that route. 

[Reid Chauvin]

@Tyler Youtzy - I'm not familiar with the commissioning process for the national guard, but if you are not currently in the service/making any income from being in the service, then getting a co-signer would definitely be your quickest fix. The co-signer will ideally have solid credit scores and will need to have enough monthly gross income to be roughly more than double their monthly debts plus your monthly debts (including the new mortgage payment). You could always refinance down the road once you have income of your own to get the co-signer off the loan. Hope that helps!