Consider house hacking by purchasing a multi-family property with an FHA loan, or explore creative financing options like seller financing or partnering with private lenders.

Example: you can option to have a fireplace with two windows on either side.

I would start there and think of anything that I could do to stay in the house for a while as it sounds like you would be losing a bit of money with the other options. 

As for financing, make sure to explore options for using rental income to qualify, and be prepared for a 20% down payment.

Hey @Sundone Boutvyseth,Similar to what @Brad Jacobson said, your best option might be a secondary residence loan if you want to STR.

I was willing to pay but there isn't an option.

I reviewed about a dozen options.

I also know I can look at ways of borrowing against that equity (HELOC for example) but I also just feel like if I take debt on that property the cashflow goes down, and then if the association also takes the loan it goes down more, and at that point I don't know why it would be a better option than selling before August. 

Yes, House Hacking seems like the most ideal option when considering my first investment (open to other forms of ownership, such as live-in flips as well).

With the right resources and help, you can still make it happen.There are options that can help make buying a home possible today — even if your savings are limited or your credit isn’t perfect.