Not sure if all your needs were met - there are homes set up with "in-law suites" and/or separate rentals that meet your question. Clients just closed on such a home. Mom had the level living upstairs and the adult daughter and family had the walkout level basement. Two kitchens etc. We found a number of Builders were prepared to do this for a price as well.
Everything depends on where you want to be and how complete you want that space.... more
It seems that your scores in your range should work. Lenders like myself can go as low as 580 when it comes to credit scores. Of course, your other finances will need to be in place as well including your income, debt, assets, employment, expenses, etc. The best thing for you to do is to speak with a knowledgeable lender like myself to see if you can get started on financing a new home. If you need additional assistance, feel free to reach out. Good luck!
Sr. Mortgage Banker
NMLS # 659743