Your first priority should be improving your credit by paying down debt, disputing errors, and possibly becoming an authorized user on a trusted account.

I almost had enough music credits to add on the music minor, but did that all too late.

If you are reliant solely on alt. lenders because it is the only debt you are qualified to originate, it can become a vicious cycle.

The mortgage insurance on FHA loans cannot be removed for at least 11 years without refinancing.

I am planning on purchasing another property in the next few years!  

See ya on 3/27 Woohoo!

Yet, the same properties in the same cities are allowed to rent their homes on a long term basis.   

Wishing you all the best on your journey.

I've worked with this lender several times before, but always on single family new construction.I'm building 2 town homes under a single roof, on a single parcel of land. 

Stuart agree on development deals but on rural acreage that your going to build one home on and there are no real entitlement process to go through other than a permit for driveway and pad or septic permit.. these can and do create some value when done right.