Although I still think conventional is the better option, I wouldn't put 20% down if I didn't have to, unless you know you'll live in/own the house long enough to recoup that additional $. 

While traditional loans might be tough with current interest rates and no W2s, there are definitely creative financing options and strategies to consider.One possibility is exploring seller financing.

Verify if there are additional adults or other violations.

additional challenges are the inventory shortage and good contractors being extremely busy. 

We're exploring both options. 

Then, take additional distributions quarterly if the business is profitable.

Also, are you trying to avoid one with an ice maker--potential here for additional maintenance if any issues arise.I've had Whirlpool, Samsung, Frigidaire in properties without any issues.Make sure you're aware of what the manufacturer warranty covers things such as parts, labor, and compressor.  

Yes, I’m based out of Riverside and currently exploring wholesaling here.

okay @Brandon Battle Could I just add it to the contract as a contingency clause to get permits for basement bathroom?

These are professionals with additional training and a stricter code of ethics.