The company will automatically deduct the money from my account within 10 days or offer payment plans.

But since she is still a first time buyers we are still getting low down payment options. 

Just trying to figure out a way to cut out the middle man at times due to some wholesalers who add like 15k to 20k onto a deal which makes numbers tight 

Long responses are cut and paste or AI so I wouldn't count it toward your journey.If you ever think "this is too good to be true", it always is.

To do that I could cut a hole in the dry wall and turn it 90 degrees so people can use it from the hallway but there is a light switch for a nearby bathroom in the way so that would need to be moved into the bathroom as well.

I have intended to pay cash because I know it may be likely that the mom could miss a payment here and there.

Imagine a $2M loan not requiring a down payment.

This is necessary to be able to garnish tax refunds in the event that you have to evict and get a judgement for non payment of rent.

There is a down payment needed to get into the deal and terms are set in place.

Smart move to de-stress and cut ties with the landlord drama.