Bad game plan that was likely to fail and it did

The foreclosures should make it to your credit report if it hasn’t already. The circumstances you describe make it very difficult to sell on the quick during non-peak season and not have to bring money to the closing table.

Other banks don’t want the loan because it would be non-conforming. Find a local bank who will keep the loan in their own portfolio. Probably require 25% down. If you don’t have the down payment, then finding a rental for four years or so is the alternative.