The only other thing I would suggest is a secured loan with a 12 or 18 month repayment term. Its a great way to prepare yourself for a mortgage and you do build an asset and a tradeline relatively cheaply. My chase banker told me about this in 2007; by 2008 I was approved for Fha (my situation was way worse as it was a rebuild instead of a build) Otherwise you are on the right track!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
US Bank can split your limit to another account as long as you maintain the required limits for the products you are seeking.
Although, I would just recommend you don't do anything for now and just Garden. Use the US Bank card and PIF each month. In 6 months they will likely be able to give you a CLI or approve you for another account.
