The best recommendation I have for you is to call a reputable lender. I have used Tim Parnham with Metropolitan Bank in Rogers, personally and professionally and have been pleasantly pleased with his service always. His contact number is 479-845-4764 and his email address is firstname.lastname@example.org or contact the bank that you have an established relationship with. There are a variety of loans available, credit score is important and the better the credit score the better the loan program and interest rate; but even with a low credit score there may be a variety of options or programs available for you and some sellers are assisting buyers in closing costs so don't rule anything out without talking to a lender. It's a great time to buy a home and worth a try to see what you can do towards purchasing a home and an investment.
Good luck, if you need a real estate agent to represent and guide you throughout the home buying process, please allow me the opportunity to work for you. My name is Nicole Chervenyak I am with Coldwell Banker Faucette in Rogers and my email is email@example.com and phone number is 479-633-3708.
Have a great week.