Unfortunately many lenders will see this as a red flag and may not take the risk to lend you the rest of the money even if you use stated income program or bank statement program but those are for self employed borrowers who have active income from their business but write off to many expenses that when filling their taxes their net income is really low or sometimes negative.

Is it some kind of foundation specialist to start with to at least know what it is and know if there is anything reasonable that can be done, a general contractor, or is this something I just write off as seasonal shifting of the foundation that happens with some? 

Did you see an increase in maintenance from the rental style?

This way, you’re not going all-in on a new roof before you need to, but you’re also avoiding costly water damage that could eat into the savings.In other words, patch it up, keep it durable, and wait to replace only when there’s no life left in it—Tonka style!

Write it down on paper and make it a goal that you'd like to find a house hack under a certain price point after being approved.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Take Action = Get pre-approved/deal analysis/write offersI love the plan of purchasing close by. 

If the purchase price is $400K, you can write the offer so that the net amount to the seller is $398K.Lastly, if you believe there is opportunity in your local market, educate the BP community!

When we are asked for a proof of funds, I will write a letter, likely similar to the one you received, and I always include a redacted bank statement.

I have learned so much on this one and have been writing down and learning all that I have taken away.