Even if the fund are in your account for 6 months they are still borrowed and if you answer that they are not you are misrepresenting a material fact in order to induce a lender to give you a loan, which is mortgage fraud.

I spent a winter in Colorado as a musher (dog sled driver) and living the ski bum life near Aspen,  but I knew I wanted to get up to Alaska permanently.  

A pandemic-induced acceleration in the purchase of second homes.All of this creates a perfect storm, where long-term pressures are joined by short-term ones to push the prices of houses higher at an unusually rapid pace, easily overwhelming the downward pressures that come from increased local unemployment during the pandemic. 

I have not heard a siren or seen a bum on the corner begging for drug money for six months, which is where I wanted to end up.

Super bummed.

Since the other bum in your apartment is not paying rent at all, is it possible for you to move into his place?

That opens you up to a charge of "Fraud in the Inducement". https://legal-dictionary.thefr...You asked about hard money, so I'm hoping you don't mean that you want to do conventional wholesaling, described above. 

My version of the answer: any number that would make it DSCR 1.05 or above.It doesn't matter if down is 25% or 40%.My bank would force me to use 25% anyway, and I know after all cost, I could only make DSCR 1.05 when downpayment is 40% in certain location.I personally hoping for Fannie mae to raise this down for investment property so less speculation is induced from this activity LOL

Yeah, definitely don't sign a contract saying you have the intent and ability to buy a property if you have neither because that would be inducing the seller to enter into an agreement under false pretenses/ "fraud in the inducement" (misleading the other party as to the facts upon which he/she will base his/her decision).  

One of my mentors, Jason Hartman, has coined the phrase "inflation induced debt destruction," as one of the main pillars of real estate investing.