Some larger broker outlets will give the option to have the loan processed and underwritten with them but this isn't the norm (UWM comes to mind as a big lender who now gives the broker this option of taking care of all of the processing or certain aspects of the processing which they call "processor assist" - this is fairly unique as far as I'm aware however).There are so many little variables to every situation but generally speaking, if an MLO is skipping over the spot where his/her license hangs and taking a deal somewhere direct, there wouldn't be a compliant way to pay the MLO.  

Gustavo, Since house hacking isn't an option, you'll have to put 20-25% down. 

Your options are not limitless.

I would explore this option. 

I manage remotely so giving the option to rent it separately is not an option.

A $20-30K private loan from a family member may be an option if needed.

The first two options I gave would be the best if you can do either..

Im looking for a DIY cost segregation option for a small 12 unit apartment. 

Remaining tenant exploring options to remain at the home.

I think it is a normal business decision to decide to utilize the remaining time to rent (hence being less than 31 days and perhaps less than 7 day stays and how his options are more open coming into a full calendar year.I am curious though how changing from 7 days or less this year is effected by going 31+ days next year.