This scenario is for myself.  My family and I are preparing to move back to the States after spending the last 4 years in Canada(wife is Canadian). My credit took a beating before I left, but I've managed to clear most of the issues up.  Last I checked, my mid score was 650.  However, I haven't had any revolving credit since I left in 2008.  The issue that I anticipate is Job History.  I won't have any down there, so I think my only option will be a Hard Money Lender.  I was hoping that I could get some referrals for reputable Hard Money Lenders.  Used 50% DTI, because I had to input a number. We will have 50% down, with plenty of reserves in Investments and Cash.  Just don't know if Hard Money Lenders work around the lack of Employment history.  Any help is appreciated.

Have you maintained bank accounts in the US and would those accounts show deposits averaging $4,000/mo?