As a new realtor (and student) you probably make below 80% median income which might help you qualify.I work with Finger Lakes Federal Credit Union (for my primary) and Lyons National Bank (for my investments), both will probably be able to help you navigating downpayment assistance and your situation. 

That being said, this depends on your overall financial situation.

Most will work hard when they are doing the capital call (a few of my deals did that) but some actually called to discuss the situation.

It sounds like you're dealing with a potentially suspicious situation. 

I feel like I've dealt with every time crazy situation there is here in Chicago with squatters, evictions, drug dealers, etc., and I still love Cook County because I have a solid team and underwrite deals properly.I think @Paul De Luca nailed it on the head, though - it seems like you are quite risk-adverse, so maybe given your risk tolerance, it's not the best idea, but if it were me, I would not think twice about it, and find a rock start property manager who knows exactly how to vet tenants.

While I get where they’re coming from, there are definitely situations where a buyer asking for an inspection can be totally legitimate.

Also, any insurance claim for a burnt house will take a minimum of 2 months of investigation and it can go to a long *** court case depending on the situation.

If so, and this does happen during a guest stay, how would you handle the situation? 

My husband and I are licensed financial professionals and we love to educate on IULʻs or different types of policies that can assist in situations such as these! 

I've received apps in the past where this was the exact situation only for the borrower to not qualify and be stuck.