80% loan to value, need jumbo cash out refi. Credit score is 710.
I have several options that go to 80% LTV, if it is a single family residence. Condos and PUDs are limited to a 75% LTV. They require a minimum 740+ fico and the debt to income ratio is capped at 35%. Also, the max cash out allowed is $250,000. If the cashout is greater than $250,000 I may have come other options. ...

Late payments on a VOR form?
The first question the lender will ask is, were there any lates in the last 12 months? If not, then it will be a non-issue. If there was a late in the last 12 months it is not an automatic "NO" for getting your loan approved. The whole file would need to be reviewed and the underwriter would more than likely ask...

Can I use foreign income to qualify for a loan if I don't have a green card?
It all depends. What type of VISA do you have? Have you filed US Tax Returns claiming foreign income?