Andrea,If this a conventional loan no gift is allowed under any circumstances period. 

We are also military so I understand the issue with the date unfortunately landlordship is a business.

Unfortunately, our usual bank would not provide a loan and I am reaching out the BP community to see if anyone has suggestions for a lender on an owner occupied house in Portland, OR.

The big banks, particularly the ones - like Chase, City & BofA - that got hammered in the mortgage crisis and the subsequent lawsuits, are not good options for anything other than the most standard and traditional of circumstances for mortgage lending.

Unfortunately the hardest part is installing the first tenant on posession.

I've tried these ways but unfortunately in this particular case the record is only available in the record bureau in the form of hard copies.

Unfortunately, we never really know when "later" is going to break something major.

I unfortunately can't see what state you're from or else i would provide you with the state appropriate literature regarding COMMUNITY PROPERTY and COMMON LAW states. 

Unfortunately, the determination was made that the case for a bona fide contract was weak without the consideration, so no further action was taken.My advice, though: consult a contract law or tenancy law attorney.

OTOH, its possible the loan has a broader calling clause that gives them the ability to call it for a variety of circumstances, perhaps with no reason at all.