Try other local community banks and credit unions and if they will not approve conventional then inquire with their commercial department.

I was laid off 3 days after my graduation and went back to driving a transit bus and working for the computing support department with the university, the two jobs that got me through my degree.

Hey Jonathan,I work for a local government in the midwest in the city's development services department.  

If you were in Arizona I could give you a list, but being that your not I can be of much help in that department.

BRRRR you can do more with portfolio lenders and commercial departments once you get above you Fannie/Freddy 10.  

I am a Plumber by trade for the past 19 years and for the past year have moved into the design department with my company in designing the plumbing systems.  

A lone handyman working out of the back of his truck usually has no insurance and also doesn't have a customer service department. 

Joe's brother-in-law buying Joe's house at a short sale would be a huge red flag for fraud.I think the biggest arrow in your quiver is #1, and your most probable path to success is to order a fresh appraisal with a fresh opinion of value, and once it comes back go to your (or the end-lender's) appraisal department (not the AMC, the lender's internal folks) and argue that the new appraisal is more credible than the previous one because of #1 ("if the appraiser didn't even go to the comps for a quick drive-by photo, who knows what else he didn't even actually do?")

What is your role in the lending department? 

I will need a certified well contractor that can get me a well sealing certificate after the work so I can show it to the Minnesota department of Health.