Readers should seek professional advice.

If a loan officer/account executive couldn't answer that with no ambiguity and full certainty, I would seek another lender or, at the very least, another loan officer within the company. 

Readers should seek professional advice.

Readers should seek professional advice.

Explain the urgency and seek advice on any potential waivers or deferrals for the partial claim.

The best way to do it if you dont have a network, is to find the deal, then post what you have to a group on facebook or seek out PML, etc.

Quote from @Deborah Wodell: I've noticed an increasing trend among investors looking for 100% financing or securing 90% financing and then seeking gap funding for down payments and closing costs.

What Kind of loans should I seek?

I'd be happy to refer any of my clients your way if they are seeking a Realtor who understands investments. 

We are seeking to buy investment property near the coast of California between Ventura and Morro Bay.