the fact that the BK was only 4-5 years ago is the problem. Normally, it's 7 or so years under traditional lenders feel comfortable lending to someone who has gone through BK.
But that is 'traditional' lenders. What you'll need to do is ask around - start with mortgage brokers - and see if they know a non-traditional lender (and I am not talking 'loan shark!) who is willing to lend in this situation.
do you have a recent appraisal to substantiate that the home is worth $90,000?
