It depends on what kind of assets you can put up. Non-existant credit won't matter as much if your down payment can be larger.
The thing is, if you don't have the assets or credit to qualify for a traditional loan, you probably won't have them for 2-3 years... a couple of months won't help.
You can also look at non-traditional methods, like rent-to-own. I can probably find someone in the Bakersfield area to help you out with that; PM me if you're interested.
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