<prompt> Human: We were hit by Harvey and have been living in a hotel 40 miles from home for 2 months. Hotel is covered by insurance, but we dont know how long theyll continue to cover it. We were renting and planning to buy using VA next August, which will be 2 years post chapter 7 discharge. Weve been able to get preapproved early, but rentals are non existent and homes for sale are getting picked up faster than we can look at them for prices that banks wont appraise, but sellers arent letting them go for lower amounts. Weve discussed building, which seems to be the only other option we have. The problem with that is wed be looking at another 6-8 months, and no idea if insurance will cover the hotel that long...and this commute sucks with 3 kids. I had the idea to buy the land we want to build on, then buy a mobile home until we can get a house built. This gives us time to search for a builder, and we wouldnt have to worry about trying to find financing for a building loan when were not yet 2 years post discharge. The problem Im having is, what do we do with the mobile home when were done with it? I dont want to throw money away on it, and I dont want to be stuck with an eyesore either. Does this option make any financial sense? Financially were fine now, the bankruptcy is the only thing holding us back. My husband and I are both well established in our jobs and make a combined 140kyear that will continue to rise. We have about 40k in the Bank right now. We were so broke for so long, the last thing I want to do is throw money away out of desperation. Thoughts? Ideas? Should I post this in another sub? Appreciate your feedback!  <response>: Find a big home to rent and share it with another family in the same situation as you. You asked for creative. Mobile home is not a bad option if you buy land where it can be turned into a rental when the house is built. 