Also did you ask the loan officer why you are falling short? 

The first broker said all banks must adhere to the requirements of conventional loans.

This means you can swiftly transition out of the business while securing your financial interests, without the hassle of seeking external financing or dealing with traditional lenders.

(There are even some who believe that the seller providing a loan to the buyer will disqualify the exchange entirely, but that's not been our experience.)The most straightforward solution is to have the seller provide a cash loan to the buyer outside of closing. 

Va loan

For a lender to request a loan in full – they stop making money on it.

Hard Money loan through Blink lending.

So should I ask about loan options or save that for deal talk?

I won't do loans for people if it's not in their best interests to do.

I have a friend who purchased a distressed property with cash and is looking for a hard money loan to complete the rehab.