The payment is about $110.00 per month.I also have a truck payment for about $475 a month, 5 years remaining.I use credit cards for day to day expenses, mainly for rewards points. 

Be sure to give your lender awareness and legal security in case you are run over by Account Closed's vegetable truck.  ;-)You could offer a 20Y or 30Y regular amortization at 10%, but with a 10Y term. 

Do not get discouraged and keep on trucking!

I was listening to podcast this morning in the truck on my way to start renovations on our new 4-plex.

If your alternative investment is triple tax free bonds it sounds like you are extremely risk adverse. 

Wife at the time pulls over on the side of the freeway around 3am , i got out of our truck, she took off. 

This is a common occurrence in South Tampa and the Variance Board might be a good alternative to the other solutions.  

So I am searching for alternatives.

So unless you go under contract before the 28th you will need to do FHA or find an alternative FREDDIE MAC HOME POSSIBLE® BORROWER INCOME LIMITSOur Freddie Mac Home Possible® offering serves low- and moderate-income Borrowers looking for low down payment options with flexible sources of funds.Currently, for all Home Possible Mortgages, with the exception of those secured by Mortgaged Premises located in a low-income census tract, the Borrower's qualifying income converted to an annual basis must not exceed 100% of the area median income (AMI).

The alternative is to construct 14 units with 3 bed 3 bath at 1500 sq feet per house.