I don't have any experienced with Jacksonville, but it appears @Carolyn Morales has provided you some good intel.

I will need some moral support through this.

Thanks @Carolyn Morales, I've looked into the 203k loan and it looks closer to something I might be interested in.

We require all applicants over he age of 18 that will be living in the residence to have a background check and credit check ran (through Cozy.co) The daughter with special needs is over the age of 18 but morally I do not feel right making her do a background and credit check.

Originally posted by @Tim Morales:@Jonathan Holmes Thanks for the feedback. 

How it holds me back, is that when you hold a license, you are, or at least from a moral compass, should be held to a higher standard and follow the ethics of a real estate licensee. 

I have 60 days... to go back to at list 750 FICOThe moral of the story- DON’T APPLY FOR MORE CREDIT while you processing a loan or planing to in the short term!

I’ve been to a couple meetings and they have good content and they’re good things to keep your morale up.

I have just had a big blow to morale. 

Moral of the story if you only have $4k I would definitely recommend going the turn-key route or have a plan to save a bunch of money for the unexpected expenses.A few other things that are easy to overlook with a VA loan, like the origination fee (I may not be calling it by the right name) on top of the standard closing costs.