Explore traditional loans, hard money lenders and private investors to understand your financing options.

On top of that, I don't have a car, which limits my work options to roles that allow me to finish by 4 pm.

There are minimal down payment options available to first time home buyers with grants and down payment assistance on primary residence transaction. 

So the renters have more options.

Do you have downpayment money ready to invest when you find the right option? 

There are options for you there, but obviously nothing is guaranteed.

Financing options are pretty varied here, so explore what works best for you.

Bankruptcy is not a viable option in our scenario and we don't want to stop the process.

What's the best option with low DP then the traditional 20%.. lastly of you have a awesome lender who is creative and can make it happen, please share contact Info. thanks 

One other option, if you haven't tried this already, is to see if you can contact their Customer Service to see if they will make an exception.Here's an alternative way of thinking (probably not helpful) - do you think the automation is worth more than $120/month?