If you have to motivate your agent.....you are with the WRONG agent! There are plenty of agents out there that will work for you regardless of how much you have to spend!
Yes, it would be very difficult getting a loan. Is there anyway you could stay in the home for a couple of more years until your credit improves? Your other option would be finding someone in the area where you are buying that would be willing to do owner financing. Let me know if you need any further help. Jeanette