Since you are on the Austin forum and stated you are from Texas, I would be happy to get on a phone call or have coffee with you to help you focus on the task ahead.However, let me remind you, I am neither a real estate agent, or lender.  

Could the seller provide you with a note for the down payment and you pay him back?

More of the terms are necessary, in order to provide feedback on your partnership.

@Charles Evans Zelle and Venmo do not provide the same protections as a third-party rent payment portal.

My vision for CountOnCam LLC is to be a company that would like to provide a shared housing experience for women and children, immigrants, and low income families.

But here are a couple companies that might be able to do it, with a commercial policy:NREIGBerkshire Hathaway Homestate CompaniesFor the latter, you'll have to find an independent agent who's appointed with them.

Some lenders will fund 100% of the deal + renovations if you are experienced.Wholesaling is possible but be mindful that it is a business, you don't make any money until you can persuade someone to sell their house and then to find a buyer.I personally think its easier to be an agent, still a business but there should be people teaching you and you have more of a reputation when talking to sellers.

In the future, I'd request a "soft pull" from a lender and provide them with your estimated credit score to get a rate quote.

A trusted real estate agent and a lender can guide you through the process, explain the help that’s out there, and connect you with resources to make buying a home a reality.Bottom LineIf you’re ready to stop wondering if buying a home is possible and start exploring solutions, connect with an expert agent and trusted lender.

Local property managers or agents can often provide trusted referrals, and real estate meetups are also great for connections.Wishing you the best!