Your options are limited.
1) buy something you can pay cash for.
2) find a loan shark that will charge you so much in interest that by the time you pay off an $80,000 loan ..... you will realize you could have bought a $1 million dollar mansion if you had decent credit.
3) rent an affordable place .... squirrel away money and increase your credit score ....... re-evaluate things at the end of a year.
We also have 4 kids .... it is important that we teach them smart money management. Getting a place you can afford is more important than trying to buy because you don't WANT to rent.
Whatever you do ... do not buy a trailer.