I'm  already working on a couple of these strategies but you helped me so much in just the way I was thinking about it. 

The lenders will normally not verify the funds until a couple days before the mortgage commitment. 

@Sam LLoyd the loans I qualified for online with my credit score were around 4.5% some around 5% a couple around 4.3%.

I much rather struggle and not pay a couple bills vs. loosing our home.Driving Lyft every minute I can. 

A couple of "simple" ways to help mitigate this problem is to make sure that you 1) find and buy a deal well below actual market value and 2) have ample cash reserves.

A couple years ago I helped my dad buy his soon to be retirement home, as it was a perfect situation and we couldn't pass it up.

My Partner has flipped a couple of houses and has made a decent profit.

Bragg do not want to buy in that area since they will probably be moving on in a couple years time.

Currently, I have a few smaller projects on a couple of houses: carpeting/tiling floors, painting walls that contain LED paint, installing A/C and heating system, installing light fixtures, installing appliances, making sure electrical wiring is safe, installing recessed lighting, insulating/waterproofing medium size room in the basement.

I just purchased the house a couple years ago 0 money down and I still owe a fairly decent amount so I may not walk out with much spending money depending on the price of the house.