@Spenser Finnestad read your contract, as if seller promised you it’s vacant, free and clear by closing date, maybe they can pay a fee to the lender to extend your rate lock until they can honor their side of the contract, or maybe they pay the tenants money to get out now.

Some programs allow that money to be a gift from a parent, others require that money to have "seasoning" in a bank account of 6 months or longer.That would make the monthly payment $1,936 then you add PMI $100 +/--).

Just a little nervous on the risks and collateral depending on what lane I take loan wise etc.

We have A LOT of money saved for reserves.

With the money you'll be saving on the mortgage you can keep buying more homes and house hacking at a steady pace. 

Looking around could save you quite a bit of time and money.

Investment Info:Single-family residence hard money loan investment.

I have had neighbors that were willing to go in 50/50 and other neighbors that didn't have any money and were not able to contribute, so I had to pay for all of it.

You'll save time, money and your reputation.

As I understand it, the Small Business Administration (SBA) doesn't loan money, it partially guarantees a loan from an approved lender to a qualified borrower, so the money is owed to a lender, not the SBA.