Can you share with me some of your thoughts and experiences using this method? 

Therefore, your most time efficient method might be to send your listed expenses to the seller's agent or closing attorney and announce in clear words that you will sue if you don't get fully reimbursed and the EM released to you in 48 hours.

If you're afraid of the bank finding out when the title transfers - there is one method that is unique- but I know will work ( I recently did it myself for another reason - with existing tenants).

In the mean while, I'm saving my regular income which I would have been using to pay my regular monthly expenses.So by the time I go to buy the home I'll have enough "saved" to cover my DP and reserve requirements, I'll have used up all the funds from the personal loan and I'll have about $24k remaining balance on my personal loan (which I'll pay off with my reserves after closing on the home).Does this reasoning make sense to any of you lenders and would it be an accepted method of showing proof of funds?

There is some truth behind the numbers that needs to be addressed such as the fact that there were 31,000 service jobs added in Houston during 2015 while goods producing jobs declined by 20,000 with 7,600 of those being oil and gas exploration.  

Don't touch it and finance deals using a different method?

What other methods/ways you think I should use to get a better deal?

It may seem selfish, but retirement is a longer term horizon and I can help the kids find a combination of methods to go to school.  

I suppose the pros have their reasons as they wanna make their money, & profit off of any method they can use. 

Strategy should encompass what areas you're targeting, how you're going to market to those areas, what methods you're going to use to purchase property, how you will monetize those purchases, and what your exit conditions are.