700 Score - Loan-Modification from 2011 on Credit - Options for 10% down?

[Jared Anderson]

I am looking for options to finance an owner occupied SFR purchase in UT. I am looking to see if there are options available for a loan that requires 10% or less down.

I could use a conventional loan with 20% down no problem; however I would like to hang on to the cash. I know that Fannie Mae requires a 4 year seasoning on the loan mod for 10% down. FHA would be possible if the loan limit wasn't too low for the market area. Income levels, debt to income levels, and credit score ( 700 ) are all good. The loan-mod reporting on credit is the only cloud.

Are there any options aside from private money to obtain this kind of financing?