Sallie Mae guidelines won’t allow “gifts” for investment

[Danny Rodriguez]

I accepted a $10,000 “gift” from my father for the down payment for an investment property. The lenders won’t accept the “gift” money, only money from my 401k which I found out recently that I cannot withdraw because it’s a Roth and 401k Roth only allow “hardship” loans. A regular 401k would allow any loan for any reason. I’m in underwriting. I’m About 90% into the process and this issue came up. Any advice or opinions ?