I could use the business credit right now if I had it, but I think it's more important to wait and get my credit history cleaned up permanently.

We plan on staying in Great Falls for about another year before moving ourselves to permanently stay in Hawaii. 

Thanks for your help Jonathan, I will continue to look at deals until I can get there permanently  

Is attic insulation going to solve that or do you need a permanent heating unit added to that room?

Below are a couple of thoughts to help make some progress,- Call all of your local banks- Call local land brokers and ask them who they recommend- Consider a three in one land, construction and permanent financing loan instead (USDA has a great product for this).

@David Krulac beat me to it, but yes...many places have minimum square footage requirements for a permanent residence.

This isn't a permanent change.

You situation is different: permanent conversion into a rental property. 

I’m sure it happens but if I see it the sub is off the job permanently.  

I am originally from Atlanta and the combination between the nature parks, cleanliness, and the friendliness of locals quickly convinced me to make the move more permanent in the Gulf Shores and Orange Beach markets.