I hope this helps and good luck!
Sr. Mortgage Banker
NMLS # 659743
you might be able to get a loan with USDA. part of it will be how they view the length of the rental lease break, how it shows up on your credit report, and what your credit has ben since then. There are a lot of variables that play in to whether you can get a loan with USDA besides just having that on there. I recommend you talk to a mortgage lender and have them pull your credit report and see what is how's and let them make a recommendation on what they can and cannot do.
I recommend Chris Ayer at Coldwell Banker Mortgage. he will give you an honest answer and let you know if you can or cannot get a USDA loan. It does not cost you anything to talk to him. The best way to reach him is at 704-771-3954 or email@example.com
Coldwell Banker United
Give me a call and we can discuss this more. I have some ideas regarding that collection, that should be enough to get you in a home ASAP.
I'd love to assist you with this and get you connected with a local lender who can run your numbers and tell you exactly what you approve for.
Benham Real Estate Group