Any other suggestion that’s out there. 

Some have suggested a postnup to clearly document the downpayment is a gift and not part of community property.  

Any thoughts or suggestions?  

I've also came across buying property out of state and am wondering is that a good option?

Quote from @Clay Watson: I'd suggest checking with a few more lenders to see if they have the same restrictions or if you can find a better deal. 

wondering if there's something cheaper but good!

I do like single family but, at the same time a duplex and up to a 4 unit seems more interesting.I look at this and wonder, if I plan to rehab one house, I’m better off working on a two units for the same effort of time it will take for just one unit single family.

Hello all,I’m planning on building an SB9 unit on my existing single family home lot and wondering if anyone knows how that affects the title or deed of trust?

I was wondering if anyone can provide insight on a scenario like ours.

It's wonderful to see your enthusiasm for diving into real estate business.