Using an FHA loan, you will never get an offer accepted, because its for subpar borrowers with bad credit typically.$700 in suburbs for a room rental is about rightIve got multiple clients placing roommates in their properties during this without issue.Reach out to @Upen Patel on the lending side. 

Make sure all costs are reflected there except borrowing costs.  

This is where Real Estate gets fun- Make a deal with someone privately to borrow the $10K to fill the gap.

BRRRR is typically a debt investor.As far as how much to borrow.  

Let's say that you are doing a flip with money borrowed from a hard money lender.

Also, if your loan was conventional; Fannie Mae recognizes the legitimacy of a QC between the mortgage holders and the LLC so long as the LLC is controlled by the borrowers; If the property was owned prior to closing by a limited liability corporation (LLC) that is majority-owned or controlled by the borrower(s), the time it was held by the LLC may be counted towards meeting the borrower’s six-month ownership requirement.

Unless ::  legislation gets  passed which will dictate for better credit reporting and not allowing lenders to hold these programs against borrowers 

If the lender requires $20,000 for a downpayment, you could borrow that amount from the seller as a side agreement.

My fellow Borrowers, the question has been asked over and over again, what protections do we have against foreclosure?

Chase, Wells Fargo and soon many do not want to loan due to fear the borrowers will default from 1st mortgage.