I know this post is kinda old but we have homepath programs and programs for HUD properties.
Get in touch with me if you need any help.
Joseph A. Ray
Branch Manager NMLS # 204912
Sutherland Mortgage Services, Inc.
10015 Old Columbia Rd. Suite B215
Columbia, MD 21046
I work with several lenders who can assist you with determining what might be the issue.
Please feel free to contact me. I would be more than happy to provide you with those references. Each lender has different qualifying criteria, so a different lender may be what you need.