I have $80k liquid in CDs and savings accounts in the bank and a credit score between 760 - 780.

You are likely blending PMLs with HMLs here, most PMLs lend on a relationship basis and most HMLs underwrite the credit profile and risk of a deal. 

The closing attorney or title co will draw up the closing statement so each party will know exactly what their costs, credits or debits will be in closing the transaction.  

Currently my credit is under 515, I know I can fix it but need more income and cash.

@Ryan LudwickWelcome to the community and be ready for a huge amount of information at your finger tips.

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

I’d recommend checking the Midwest market.Another tip to help narrow down your options is to talk to your lender.

Would be interesting to hear experiences others have had..The expectation for rent being used to help build credit has slowly grown over the years.

You might check with smaller outfits too like Co/Lab lending, Preferred Mortgage, Aceland Mortgage, and co-ops/credit unions.

@Jaycee Greene I’ve contacted big banks small local banks and I haven’t quite tried credit unions although I have 2 credit unions for which I have accounts (but my experience is that they aren’t offering that much better terms).