Help me save this deal!!

[Bradley Miller]

Bank notified me days before closing gift money wont do for an investment property.  I in turn l learn I can sell assets (IE vehicles) and that will do.  I return the gift money to my father, and sister, 12k apiece.  I now sell a vehicle to my father for 24000$. Great.  Still am short because the withdrawn money from my account is not viewed as repayment but as a further decrease of funds, in ADDITION to the gifts.

Stressful, educating experience here.  Something my ******* mortgage company could have let me know a month ago when I submitted all the gift letters and bank statements, etc.

Anyway - before I get too far gone here, this is my question:

Closing should have been on Tuesday - seller is accommodating and is ok with me working on securing funds for mortgage.

Is it too late to approach them about owner financing?

I was thinking about presenting him with an offer something to the tune of 50K down (20%) and even pay it off over 5, 10 years. Or offer more - perhaps as much as 100K.

I am sick with this mortgage company because of several issues ive had with this transaction and if I could cut them right out of the equation, I'd love to. Theres a lot to this story here but here is a condensed version.

Back info:

I own a 4 family that I currently live in.

This is a 3 family home, for 250k.

Any advice, thanks.