The other option is to find a partner with some experience and use that on the loan.

(I don't have $10k liquid, are there other options or do I just need to save-up for a few months?)

I may specialize in VA loans, but I also offer a range a conventional, FHA, USDA and commercial lending options. 

Quote from @William Weston: That would be an option but I have not seen multiple family homes that are big enough for a family of 5.

Hey Brandon,I had good success by getting equity lines on properties to access the cash to invest again. 20% is certainly not essential if you want to go lower there are many lending options for lower down payments, especially if you are willing to house hack!

This might give a one-time (non-scalable) boost to cash flow, offer multiple value-add options, and allow the house-hacker peace of mind, via the assumed mortgage, in long-term breakeven or positive cash flow in the event that the value-add plans end up not being executed, and/or the person has to move out, and rent by the room or STR become unavailable for some reason at a future date.

You can customize including organic food and they have options for both make it yourself (like HelloFresh) with recipes and also made for you.

Are there any options out there that won't tear away the margin on flips?

Yes, it literally holds that much power potential, quantum. 

I feel like these are my only options:- House Hack: Would I still need to pay the 6% tax rate if I'm getting rental property insurance?