I don't consider an application received until I have all the supporting documentation, picture ID, and payment.

Texas is pretty quick to foreclose and should only cost you about 2k for the attorney.Once you take the property back, get another down payment, but make sure you qualify the buyer with an RMLO.

I reached out to local attorney for LLC, rental law etc and they only take cash or check as a retainer and payment. 

I am seeking ways to get back past rent payments.

In some situations, a lender will allow for someone who didn't originate the loan to continue making payments, until the lender changes their mind.

As a general rule of thumb, I usually strive to keep about 2-3 months of mortgage payment reserves. 

I depend on another department as well for answers and I too have to wait," and then asked if I would "be open to an installment of a partial payment?

I’m in the PAYE repayment program where your payment is based on your income.

This is the best way to do it in my opinion as your payment is lower and there is no PMI. 

Was never 100 percent sure if you could or not, but can you theoretically house hack a commercial property (such as an apartment building) in order to get the low down payment?