Hello I hear their are unsecured loans I can acquire via my income history I believe they give you an income of 20% of the loan now can I pay into the debt replacing pre existing gray space the remaining 80% or will it remain outside as a new amount, hopefully that's understandable.also if I earn $30,000  annually what amount do they let me receive, thanks appreciate entirely.

You will also need to see if they have a loan on the property and how much you would be putting down. 

In terms of doing a house hack, you likely will want to do a 5% down loan or something similar.

In every transaction the buyer would be getting money to put for a down payment and then funds from a third party are the balance of the loan.

Conventional loan with FICO 620 you can buy owner occupied with 5% down.

Also, we have no consumer debt, car loans, or student debt.

Home prices / room rental rates ratios look good for a college town when applying the FHA Kiddie Condo Loan product with a house-hack scenario.

The likelihood of the bank calling the loan isn't super high, however that is completely dependent upon what bank holds the loan.

Ive also seen others use the method of a DSCR loan with ($8K-12K) Down.

25% down no income no doc using the DSCR 30 year fixed loan