You can bring your own cash to the table. 

What I've had in mind, is to wait tables nights and weekends and do commercial real estate 9-5.

Or are there other options on the table in the nearer term?

@Dan O'Neill It is good that they put everything on the table for you to evaluate before signing a contract.

I only partner, but would never guarantee (Ouch it hurts me to even say it) , with those who bring something to the table.  

@Chad Meyer The 'Cash to Close' is the amount of money you need to bring to the table to get the title.

If your lender has time ask him to prepare amortization table for you with 26 year  and 15 year fix, you will understand by paying extra will save your money. 

I have seen cars turned into BBQ grills, tables turned into desks, all kinds of things turned into light stands, and so forth.Just because a word or phrase is used for multiple things doesn't mean they are related in the sense that we are criminals because we take an old tire and turn it into a coffee table vs someone who breaks into the DMV and creates fake IDs. 

There are basically 3 choices: Bring more money to the table, have the seller drop their price, walk away from the deal.If you offered $X, and it comes in at $X-$50k, that is the seller's problem.

Wouldn't it be nice to find yourself sitting in a new apartment next week with a big pile of cash on the table?