Sellers are always going to look at more money down more favorably unless the agent explains the why behind doing the FHA, especially in a competitive market.

Spend a little more money than you might have been planning to, buy in a better area (i.e. not a “turn key” 100k house off the mls), and self manage.

Otherwise, you'll have to go for a hard money lender and expect 12%+.

They aren’t able to get a mortgage themselves so they would provide the money while the mortgage and deed would be in the others name.  

Quote from @Susana Alcorta: Hello,I'm a long-time listener of the Bigger Pockets Money Podcast.

You can't pull money out if there is no equity.

If I were you, I'd pass on this property and look for something else (and I suggest a 3 BR) under $80 that you can put a little rehab into, unless insurance pays your family member a bunch of money and they accept a much lower price. 

You'll need something like 125 units netting $200 per door to get there, that's about 10 million worth of multifamily in today's money, so you'll need about 3 million in down payments.

However, she has requested a Rent Credit.I have no problem letting her clean since that will save us money and allow her to get in there faster.

However, if you intend to work with a hard money lender or utilize a short-term loan product, you're on the clock for repayment, which can be stressful if things go sideways.