Talk to BofA LO about getting a mortgage. We requested somewhere in the range of $150,000. He said it might not be possible with the current mortgage (going to live there until we close and then rent it out), but he ran it and he said we'll have a good faith letter of $150,000 with 5.125% in the mail shortly. We will be using the VA Home Loan Program. This comes from a 545 FICO score in July to a 670 as of yesterday. Thank you all for your help!