For a list of homes that are able to be purchased with a CFD, please call me at 217-875-8393. Maybe I can help.
A word about verifiable income. If you work for cash, you're going to need to prove it somehow. 10-99 or W2 wages are the easiest to verify. Others aren't impossible to verify, just harder. What is on your report makes a difference as well. Defaults carry more weight than late payments. Also, utility bills, car payments and rent payments carry more weight than a doctors office.
What you really need to to to find out for sure is consult mortgage lenders. I know several that would be happy to help you find out if you can get a loan. If you need a referral, drop me a line.
I work all around central Illinois and can refer you to a creditable mortgage lender. I would trust what they sat and advise you on. Email me at email@example.com and I'll put you in touch with them. From there, maybe I (and my 20 years of exeperince) can help you further.
Jerry Grodesky broker
If your credit scores are low consider credit repair OR pay of debt which will increase your scores.
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors