Yes don't need the 3 days in a hud transaction The repairs very well may be but usually requested at the time the appraisal is received Brokerage accounts can be used for reserves If you choose to transfer funds they can be used as well .

Now they are asking me to prove I am the owner and they were transferred to me from the previous host.

If you are setting aside funds for capex, taxes, insurance, or other expenses that don't occur monthly, transfer those funds to Savings each month and hold them there until it's time to spend them.

@Douglas GuevaraWhy you transferring title?

I offered $5k for an immediate close (no title insurance, payment and deed transfer immediately) and it was accepted?  

Highlight your transferable skills, achievements, and education from your mentorship program to enhance credibility.2.

Unless you quit-claim or buy sub2 and do it correctly, you could avoid the transfer of sale and keep the previous owners rate.  

Upon receipt of a $10,000 wire transfer or certified check, which would be applied toward the commitment fee, we would provide you with a draft of a loan commitment containing the terms and conditions to be reviewed by you and your counsel.

Utilities are transferred to the tenant's name and they cover it.

Net sales price is the sales price less closing costs like agent commission, escrow fees, transfer tax, and recording fees.