I am a working professional and have been extremely busy the last few months.

Bottom line Garanco tic's the 3 Cs for me personally over the last 6 years or so of our business/funding relationship..  

We're looking for investors who have been doing deals or have just started investing in the last year or so.

As a last resort, I would even be willing to lease the land, provided that I be compensated for the improvements when it sells.TIA

I've switched over from single family to 3-4 family in the last 3 years.

Honestly a “slow market” over the last 20 years has been 2 weeks to find a tenant.

., only have the last couple months' worth of data.

I did something similar just last year on a bigger scale and made sure I had 7 years for my balloon since I only put 16% down. 

Then last option would be a "unsecured" personal loan where the bank offers up to $50K for example to pay off and consolidate debts.The 2nd and the personal loan will pay off debts and lower DTI and you might have enough left over for down payment or just use VA again.

Last year, the State Legislature amended the Property Condition Disclosure Act, removing the option to give a $500 credit to buyers and adding seven questions related to a home’s flood history and insurance requirements.Here is the link to the story.