lacking reserves and gifts are not allowed.

[Stephen Nava]

I don't know what to do. I am about to close on this property but I am lacking $5000 in reserves. my mother is will to give me the money but that is considered a gift. she doesn't want to be on the loan. I have the source of money but I can't utilize it. Help. I asked my officer if I can put someone in the house on a year lease now and sign for after closing using the rent and security deposit as reserves, but I doubt I can do that.