matey we've touched on this before and like I said, I'm usually a huge advocate for renting when kids are little however my gut feeling is that you should stay put. I'll get my DH to have a read of your intro post and see if he can come up with any creative ideas. Maybe you should consider renting out your bungalow like Maz suggested.
Anyhow... I'll post again after DH has had a muse.
Afterthought: Hmmm, you could be sneaky and get yourself a F/T job until you get an equity loan. When we bought our first place I was working two jobs and we just scraped through the approval process. A few weeks after we moved in I quit one of the jobs (the weekend one). The bank didn't need to know. You might only need to work for a few months.
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