I'm being quoted a 7.75% cash out refi rate at Houston Federal Credit Union right now.

Hii everyone, my name is Katelin and I am so excited and inspired to start this next part of my life, and I am so grateful to have found a community like this! My boyfriend and I are currently renting an apartment for...

Tell them to join the military.  

I use brewery credit union.

Preferably go to the Credit Union in your city and ask for a Heloc .

I'd reach out to someone in a local REIA where the property is located- those folks will know of some private individuals that are looking to lend. if the SFH is your primary residence, you should be able to get a HELOC at a decent rate from a regional or credit union.

Rent near a military base.

My credit union does 95%LTV with no closing costs and desktop appraisals.

VA I think most want the benefit of zero cash down so thats a bit of a draw back and the inspection is rare so approved for VA wont go through with funding due to lack of inspection.Again I have never bought a house at auction nor am I in the Military so this is just from my research but not tested. 

Wrongful foreclosure claims may prevail when the debtor or owner is an active military member, bankruptcy action is pending, or probate is pending.