Thanks for your thoughts so far guys. A walk in humi is definitely a no go at this point in time, but a nice smoking porch is a must.
Our plan is to pay off the second car next week and wait 3-4 months then check our credit score and see where we're at (my student loan balance makes my income-debt ratio look outstanding
) Right now I think we're looking at a 30 year VA @ 5.5%, which isn't bad IMO and we would repay early.
Has anyone dealt with buying a foreclosure or short sale property? There seems to be a lot of them in today's market and they seem like a deal, and we (me) aren't afraid to get our hands a little dirty with slight remodeling.