Please refer to my blog post about getting a loan with bad credit. (Link below)
But again, the best way to get the best answer you seek would be speaking to a lender and see what happens. If you do not currently have a Realtor that you're working with, please contact me. I would be happy to assist you with any further real estate needs or questions you may have.
Isiah Youngblood, RealtorÂ®
In the last 2 years I have placed 6 or so people in rentals that are in your current situation. You just have to find one that isn't all about dollars Kia.
Best of luck to you,