For agency loans (Conventional/FHA/VA/USDA) you CANNOT use borrowed funds, EVER. 

I have messaged 15+ agents, a few lawyers and most recently and best is a agency that takes your legal inquires to the best attorney for your case.

I’m doing a bunch of elearning from my agency... what do I do after?

Are there real estate agencies I could work with that would sponsor my licensing? 

I've got a job at a local realtor agency, but am interested in BRRRR properties in the Memphis area.

We typically send to a collection agency and have had success with that.

I don't know the rules in Canada but in the U.S. most states require a PM hold an RE license because there is much to understand with regard to accounting for money belonging to others and agency rules. 

Has anyone called up their lender/bank and asked for an interest rate adjustment on a conventional residential loan (agency debt)?  

“Until there is more clarity from the agencies, all mortgage bankers are shutting off the valve on condo loans right now,” said Rob Henger, director of mortgage banking at FirstBank Mortgage, a Nashville, Tenn.

An FHA loan or VA loan are government loan options, or maybe she could get a HELOC or home equity loan, which is all depending on her FICO and if she meeting underwriting guidelines for those four options.Or you might be able to find a local housing agency/non-profit that will give her the money to catch up her taxes.