@Joseph Renteria, if you've been regularly saving, and already have say $30k saved in an account, you should probably ask your BANK directly: Do they have a COMMERCIAL Lending Department, whose job it is to look more closely at the "deal" you want to buy, rather than your already-owned assets/income?

That is better for me than a direct hit on Miami/West Palm. 

You could use the IRA for the down payment if you change it to a self directed IRA or take the penalty.

I would love to be point in the right direction.

It's an extra step, but now it's a direct transaction, not a third-party transaction.

I realize that is contrary to what most people do, but as a contractor who's doing and/or directing the actual installation and maintenance, it makes a lot of sense for usIn bedrooms, I staple in unfinished 3/4 in. tongue-and-groove oak with 3 coats of oil-based poly to finish it.

A few other strategies I've thought of are bandit signs, Every Door Direct Mail, and Facebook ads. 

I'm not sure on the specifics of the VA loan program but this question might be better directed to other lenders in your area.  

IT sounds like it is time for you to learn about creative finance. 

I called city hall and after getting the run around from 20 people I was directed to code enforcement.