In addition, buyers will no longer be able to borrow the down payment from 'non-traditional sources.'

If you're asking about the possibility to obtain a loan for a home that needs renovation, I am not certain but you could do a traditional loan and then refinance post renovation after the seasoning period. 

I know I can save a ton of money as an owner-occupant and probably make that 20% down payment and refinance in a few years, but I’m still new to this and want to see what other people think or what is traditionally done.

Awesome to hear that you’re thinking about pulling the trigger on a house hack - it’s easily the best financial decision you will ever make if done correctly.A lot of people on BP will tell you that renting by the room is not a sound investment; that you can’t effectively manage multiple strangers in a household; that you’ll relinquish your privacy/sanity/personal space/landlord status etc etc.As someone who lives with 5 roommates (including my wife + 2 dogs) I can tell you that it’s absolutely not the big bad monster that it’s made out to be.Because you have multiple streams of income in a single property, if a tenant flakes, you still have partial coverage of your mortgage payment - not the case in a traditional rental or “luxury” house-hack.

I started up a new tradition with my partner on this deal with a "golden hammer" with the property address on it.

Unfortunately, you're likely better off waiting until you have stable income (and even then, if there's a period of unemployment in your past 2 years it may be difficult to get traditional financing).

I use them religiously, and also put forth my own scopes and videos whenever I’m helping my out of state clients in a wholesale or traditional home sale transaction.

Would that change if the IRA income was taxable withdraws from a Traditional IRA?

I have recently discovered BiggerPockets and have been studying in-depth on other ways to secure funding besides a traditional mortgage from a broker.

If you go with a relatively turnkey strategy then you just need a traditional lender to get a conventional or FHA loan (or VA if you are a veteran).