Please listen to what you are asking. "How can I get a lot of money, when I have proven that I can't pay back my smaller debts?" I know there are errors on your report, but lenders don't care. Plus, construction to perm loans are expensive and w/o good credit you are going to have money down (lots of it). You can build back your credit by starting out w/small credit cards. You need 3-4 trade-lines, so if you have a car loan that counts. Use credit cards responsibly - pay on time, keep used below 1/2 of limit. It will take about 1-2 yrs to repair. Plus, save, save, save, save. You can do it, you will just need to be patient.
CFO - licensed mortgage broker