One title company said the deeds must match and that we would have to change the current deed to 80% in my wife's name and 20% in mine now before selling the property two months from now.

  ( PS EXTREME HOARDER ended up having to bulldoze the entire home LOL)so fast forward to now.. she wont sign.. she goes dark we notice here for 6 months then finally file suit. that takes a year or more to get to a trier of fact ( judge).. she stalls twice more.. and on the day of trial she is a no show

We will sometime use this to get a house leaned really fast.

Might risk it, as it's going to eat up all the commission then.EIN seems to be free and fast, might just do it so I don't have to give out my social.What are are some benefits are having a DBA?

With only 10K the fasted way is like to drastically modify your life style to embrace the frugal and save every penny going forward until you have enough for a DP, closing costs and a reserve fund. $10K after closing costs and holding back a reserve fund will leave you about $5K for a DP.

I have started hiring separate companies to clean, paint, etc. and that is getting old fast.

Doing that can change the values drastically in some areas.  

We lived in it while fixing it up and planned to remain in it as our family home but circumstances changed and we ended up selling it for a great price and buying into our next property.

I live in a small community where property is a bit more affordable but its quickly changing into a growing community.

And it's more of a guideline that a hard and fast rule.