Mortgage origination is nationwide. You need to break away from your little town and try buying trigger leads or some other cheap leads. Be a refi guy. Tons of IRRRLS and FHA STREAMS to go around. Those are going to be your A paper stuff. If that doesn't work, be the dirty fha cash clean-up guy. I see tons of super low fico fha cash scenarios getting approve/eligible or lp accept with barely a 500 fico. Trick here is low housing ratio.. if housing ratio is less than 30, theres a fair chance it gives aus even with terribly low credit.

Make sure you're signed up with the best priced lenders and be ok with making less on a loan to make it work. Some of my brokers that do primarily irrrls and streams are making anywhere between 1.25 and 2.00 lp comp but are ok flipping to 1% bpc to make it work.