If they are the best you can do is pay enough that they can come up with the rest and don't completely destroy their credit. 

This might still be a lot for applicants in a C-class neighborhood, but it will be much less work for both of you if they can do it online (again, assuming they have access to a computer and a debit or credit card).

I run my own credit reports with the information provided on the application. 

Pricing for the lower credit scores is higher for obvious reasons.

I heard credit unions but haven’t yet verified.

Fannie Mae , Freddie Mac , etc. know your credit score and own it .

Now I'm only getting 3-10 Messages per day.Sometimes people get there and don't like that it's a duplex and they have to share laundry, some don't like that it doesn't have central Air, and some just don't make enough money to qualify or have bad credit.

My wife and I are also missionaries and preparing to do missions but need cash flow for continuing missions.

But enough about philosophy, and on with the tale.In 2008, the stock market had crashed, the credit market had imploded, and the housing market was sliding into the into the toilet.

And, be prepared to pay some extra liens that were not recorded at the time of your purchase (weed liens, etc.).