Barely qualify and have big dreams

I know this has been probably asked many times over but the subjects i found don't really hit a logical solution for me.

I have read deans books over the years and as i respect his ways they don't work to directly with me. I read a book years ago by Manny Khoshbin that for me made a bit more sense and have found merging the two concepts i can do amazing things.

My story - Due to my lack of a Master's degree and only a B.s. finding a job in my area isn't the easiest so my large income for a loan is a challenge.

Last year my credit store was an amazing 609 - As of last night 6 months working on it I am at a 707.

I currently have a room mate that has been very loyal and around sadly banks don't take that as income for the rent i pay so it drops me from making 35k a year to 25k.

Finally, the question - I am looking to get a home loan but it seems out of the 3 banks i've tried they have all said no mostly due to income not so much credit issues *Big positive for me i say*

What other ideas would any one that has been in my position find to get funding - I am not looking for hard money loans as they seem fairly high and if i stay in the house more than a few years it could be a damp on my income and put me in a position of losing the house.

I am currenly in Washington state and a Vet - Looking to get a loan for at most 130k and trying to fix in the VA to get something started.

again sorry for the long rant and the redundant question just hoping for the best i can get for say on here after 8 years on the site it has been great - just lack of resources and income has been a huge damper on me

Thank in advance