We also have a very good relationship with our local credit union so if the "gifting" approach is common I think we would be able to navigate those waters with them.

I have a great team that can maybe help navigate this loan for you.

.- The property only has street parking on a street that has a few bars down from the property.

The link shows $1,340 for a 3 bedroom --> https://www.petersburgrha.org/...So, how does one go about navigating these waters? 

New York is closing bars and restaurants at 10 p.m. and limiting gatherings.

The search bar at the top is a very useful tool for questions such as these as it will give you the views and opinions of many.

Add a bar (that would also be open to the public and a hot tub (which has proven to increase income for vacation rentals here.)

Chef's kitchen with white modern cabinets, granite counters, stainless steel appliances & bar island.

Chef's kitchen with white modern cabinets, granite counters, stainless steel appliances & bar island.

However, you can get a gift from a family member for your 10% down payment.Your best action is to speak with a creative LO who knows what they are doing to help you navigate this within the lending guidelines.Best of luck!