I don't think Mossy Head has sewer yet, and you probably wouldn't see much apartment-wise there until that happens. But there have been ads for a bigger new development there with single family homes on 1/4 acre lots starting at $150K. (well they were advertising starting at $129K last month, but you know...) I think they're targeting young enlisted folks and midlevel service industry enployees who are getting priced out of Crestview.
If friend can swing the monthly payments, there are usually assorted first time moderate income homebuyer programs floating around out there where you don't need so much of a down payment.