If you've had a job for at least 2 years and it is a single family home, go for an FHA Loan, see basic details at http://www.zillow.com/fha-loan/
See also FHA's website.
Find an old couple w/o kids, who just want rid of their second house, or someone else in trouble that you can either have them owner finance or take over the loan (hopefully taking over an FHA loan.)
Owner financed houses can be a great way to go, you just have to search harder and talk a good story. Be ready to do both. Depending on where you are. You're Las Vegas, I'm in MA. MA got killed in the crash, so everyone is looking for these options, including investors - making them even harder to spot. I don't know about Vegas., but they are out there. Patience and save more money is the best answer.
Banks are not your answer until you can clear your credit report. Chapter 7 and 11 take different amounts of times (5-10 years) to allow you to remove them from your credit report (although, it is illegal for the bank to run and "find out", they do it anyway, so have a story ready - I know this from experience)
If your report is just "reasonably" bad, with 20% down, you can find a bank with ridiculous %'s, points and other closing costs, and then re-fi in 5 years while you clean up your report.