Well my credit isn't the issue, when I purchased my first home a short while ago, my FICO's ranged from 735-798; I have paid perfectly and managed my credit in every conceivable way for years, the only reason my FICO wasn't over 800 at that point in time was because of an early lease termination misunderstanding from the past that remained on my record.
I'm just looking how to best allocate my capital towards diversified investments that have a high yield while allowing me to access my funds at will to accomplish the necessary steps along the way towards home construction and the attached multitude of financial burdens that will surely bring when the time comes.