House hacking rentals

[Taylor Chouinard]

I was almost completed the underwriting for a "operation welcome home" loan which previous allowed in its guidelines that would take income from a rental unit into consideration for the approval of the loan. Turns out they recently changed the guideline and made it that I would have to put 5% down all of a sudden. This property proves positive cash flow and follows the 2% rule however I now have to come up with 8k cash when we were planning for 3k. As a first time home buyer, what would be a creative way of going about getting this 8k when you do not have that funds now.