Using your BAH to buy an asset is a great idea as long as you buy at the right price.Another option is something through one of the credit unions.  

Should i use a big national lender, a local bank or credit union.

I know union banks are more willing to give better deals with no associated fees for the entire process.

One thing you can do that's a little out of the box to get a new/another tradeline is if you own a vehicle free and clear go to your bank or credit union and get a loan against it.

Get lines of credit from different banks/credit unions.4.

Watch the video here >> http://mortgageshots.com/credit-unions-push-cfpb-for-qm-exemptions/One thing you gotta say about Credit Union Associations, they’re not afraid to the CFPB for what they want.

Have you joined a local credit union?  

been a union electrician for 12 years and 100k a year is not enough!

I am a 19 year old African american male from Brooklyn, New York.

Fannie Mae does not.It is possible that your local credit union is a Fannie Mae only lender, it is also possible that they just have overlays because they do not want REI business and want to stick to low-risk white picket fence vanilla scenarios.I think @Jerry Padilla lends in SC too.