I'm a newb on bigger pockets, so be gentle with me.  

For reference, here is my current default log with POL -- as indicated some of these have been non-performing for many months/years but there has been almost zero movement/action by the POL "asset management" team at resolving.

There are 3% down conventional products as well, and Movement Mortgage currently has a 3% grant (never needs to be paid back, apparently) on a conventional product if you are below a certain income threshold, so may be worth contacting them.  

See if they show any signs of movement. 

However after some gentle persistence I was able to follow up with a phone call and scheduled a breakfast w/ him last Friday.

If you haven't listened to all the podcasts and/or read the book it's a great place to start understanding the FIRE movement and an incredible resource for financial education!

So if you are kind enough to comment, please be gentle.  

So our home has had some foundation movement from expansive soil. 

Movement Mortgage in VA has informed me that they do 80% LTV and no seasoning.

And our mortgage company will not allow a lease option (saying they would call the total amount due).Any pointers, advice, ideas or "stop crying" will be accepted, just be gentle.:)