What are my options?

I'm not seeing any great options here, yet. 

A bank will not go above 75% typically so you have no ability to borrower or maybe get out $20kIn this environment with high prices and rates - I personally don’t think it makes sense to borrower for a down payment as you are just over leveraging with multiple sources of loans.

While I am aware that an SBA loan is an option, I am considering alternatives as we have not yet filed our 2023 taxes and may not do so before applying for this loan.

To invest in a house hack, consider income consistency, minimum monthly income, emergency fund, extra savings, debt-to-income ratio (DTI), financing options, stabilizing income streams, starting small, and rental income consideration.

There might be other options as well.

Section 8 is not a great option for first-time landlords just because it requires more upkeep and working with the municipality.

I am thinking that perhaps we could insure building and operations separately and that might open some options in insurance providers.

If so does your offer contain a contingency clause for contract termination due to property condition or an option period for due diligence.  

I am open for ground lease or BTS options but how do I reach out to the right department heads.