The only time that I thought I could afford a house was when I came home from Germany, the owner wanted $94,500 the VA would only pay $79,000, and I looked elsewhere. I put in one or two more offers unsuccessfully and gave up because the house market became too rich for my blood.
They sold a month or two later for $91,000. However, it is supposedly worth $175,000 now, or at least was recently.
Now that you mention it, I remember seeing many listings specify cash or conventional It was dififcult to find something that might potentially qualify.
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"Oh if you use math, reason, and logic you will be hated."--OilPan4
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