I am trying to reconcile actual material spend per category vs. what was initially allocated, and it's getting cumbersome going through 100s of line items.If there is a different way to go about material budget reconciliation, happy to consider that as well

What are my options to cover the $100k difference to still get this house with 0 down?

People think that's even different for investors...the fact is, it isn't.

Hard for me to get to specific as I'm not super familar with the market in your area however one thing I'd say is also take a look at modular homes as there is a fairly significant difference between a modular home and a manufactured home.

It doesn't cost anything extra, laws may be different where you are.

Some leases use slightly different language saying these items are "payable BEFORE rent" meaning that whatever money you receive pays those items FIRST leaving unpaid rent leftover.

@Rollin BuffingtonYou will want to speak to an accountant since, if the current owner of the property and the owners of the LLC are different, taxes might be owed when the property is transferred/sold to the LLC

What that looks like is different for everyone.Once you have enough you want to outpace inflation safely.

Purchase price: $245,000 Cash invested: $15,000 This property is a main house, and an apartment above the detached garage in back.

I'd say find a different broker / lender that knows the right product to get you into at way better pricing.