I've brought up a number of indications that she is of average intelligence, at best.Now, it's your turn to provide some evidence that she has anything but an average (or less) intelligence.

I would try the owner finance rout with you putting money down.The reason I say this is I helped many people improve credit scores back when I was in residential years ago.It's not just about credit score anymore.A bank will see you starting a job in a new field after quitting school as high risk and not stable yet.Generally underwriters like to see 2 years in the same line of work for stability and to get an average for your income over time.They also do not like to use bonuses for debt ration versus income as that can swing wildly unlike a fixed amount.So for example if you are averaging 5,000 a month but 50% is bonus that is looked at more risky than 20% bonus and 80% salary.This is why I say even if you get the credit score up it will help but time on the job will be a big roadblock with conventional lenders.This is why with your cash I thought get a few owner finance deal sunder your belt purchasing correctly and then you can have assets and cash flow with built in equity.You can then use these properties as collateral with some lenders.As has been said they generally don't care who you are if the value is low enough going in.With credit it is simple you just challenge it on your report (check all 3) exquifax,experian,trans union and then they have up to 30 days generally to respond.If they don't respond with evidence it gets removed.Do not leave a written statement on the credit report if they won't take it off the first time as that does nothing for you.In fact it can actually hurt your chances of removal in the future.Also do not pay an old collection that is coming off in a few years.If you owe 1,000 and it has been in collections for 5 years and is slated to come off in 2 years then calling them up and even paying a dollar REFRESHES the collection and makes it new again.If you challenge it multiple times and cannot get it removed then you can try for "payment for deletion" where they wipe the negative account completely off the credit reports for settling the account.Make sure you get the agreement in writing or it's not worth anything.

We sued but they said it was our builder's fault,  we had no photographic evidence because it didn't occur to us that someone would screw us over like that.  

I always do walk around and inspect the brick and exterior foundation for further evidence and severity.  

We had several bouts of heavy rain but they never gave me any evidence.

When you look at how countries like Germany, New Zealand, and South Korea have been able to combat this contagion, it is evidently clear that we are failing because of devastingly poor leadership at the federal level.

It's only an issue if the material has evidence of deterioration or if it becomes damaged during any rehab. 

I don't know about that lol, I'm sure you can find evidence to support it, but I don't think the trees are the main factor.

There was a $25,000 profit and the buyers signed an agreement that they were made fully aware of the significant problems.I've been advised to sue the previous seller who didn't disclose the plumbing issues although there is significant evidence and witnesses who can testify he was aware of it.I was truly grateful for all the helpful advise I received on BP when this happened, as it was a stressful event.

If it's directly against your contract, illegal, and you have sufficient evidence, then kick them out.