@Chris Mooney If there are extraneous circumstances to do so, it will depend on your lender. 

(very embarrasing) Although I did kind of pick up some skills along the way, such as marketing and calculating ARV, unfortunately I haven't gotten to the most important part, repairs.. 

Great summary, @Anton IvanovTo add some clarifying comments regarding the rules allowing for up to $100k 401k/IRA penalty-free distributions and up to $100k 401k loans:1) You have to qualify (i.e. your health or financial circumstances has been impacted by the virus in one of the enumerated ways)2) Your plan has to allow for such distributions/loans (i.e. employers don't have to allow it)3) The loan must be taken by 9/23/20204) The distribution must be taken by 12/31/20205) For distributions, you can Waive withholding requirement (typically 20% when taken from employer plan)6) For distributions, you may avoid the taxes if you deposit the funds in an eligible retirement plan (which includes anIRA) within "3 years and a day" of the date of the COVID-19 distribution (note: compare to a 60-day rollover).

Unfortunately someone forgets to obtain the sat or subordination agreement or record it.  

These lay out good strategies depending on your circumstances, but essentially they will tell you to save money first, then invest once you have enough capital built up to deal with the inevitable problems that occur in a house.Good luck!

Unfortunately, I don't know of any other structures for asset protection.

Unfortunately all lenders so far have said 25% down due to credit and low loan amount.

One important note for the original poster, under no circumstances should you take any money from these people.

Unfortunately he is very much a tenant.

Unless you really want to forclose under these unfortunate circumstances.