@Shera GregoryBrian is correct, it's a good idea to check with a qualified advisor on this.

There aren't many "deals" to be found anymore.I make about $80-90k depending on my bonus so I'm not sure what amount of credit I'd qualify for outside of a conventional loan for the loft.

Do you qualify for conventional financing? 

If you can lower your mortgage rate at your primary house you may want to consider refinancing it to a 15 yr mortgage if you can qualify.

Hi all,I’m sorry if I seem a little novice but I’m still learning, so bear with me...So I’ve been trying to secure a house in a new build community, that I cannot get qualified to use my VA eligibility for, in the time between now and when we have to move out of our leased house.

My first purchase I used a partner to obtain the bank financing as well as the down payment so I was zero out of pocket on my first 4 or 5 deals (all of which with purchase prices well under $200k.There are many ways to skin a cat so if you don’t qualify for the traditional bank loan, get creative but in doing so, be very careful in using OPM.

Have you reached out to a lender to see if you qualify for a mortgage?

So if you have a job offer letter that has been signed by your future employer then we can use that income to qualify you for the loan.Ah, the good ol' FHA "Mortgage Insurance". 

Lease-To-Own options where you put a down payment to rent the property for a desired time to eventually qualify and take over the loan.

There are a couple of other ways to skin that cat depending on the situation and amounts.