I have 0 debt (besides the mortgages on my two rentals) and my credit score is around 790-800.

Score! 

We have access to the VA home loan which is a bonus and both of our credit scores are 725+.

This seems like an incredibly odd question to me.

The market is incredibly volatile.  

I have a excellent credit score and cash.

The market was already very strong and now is incredibly strong for demand.

I did do a background check and found she had a good credit score but not getting much in income from SS.

I ran into the issue of my credit score being so bad I can’t refinance. 

It's hard to stand out.There are some owner-occupied segments with people who share motivating factors for selling their home.Seniors with Long-time Ownership: often ready to downsize or transition to assistance.Homeowners with Low Financial Stability Scores (FSS): Struggling financially and likely ready to cash in on their asset.Both these categories have additional advantages in that they probably don’t haven’t been updated and may have deferred maintenance.