Do you have comps for $375000 as in sold with a loan last three months same same everything? 

Subto means taking over the current mortgage on a property without getting a new loan.

10k cash upfront and through a title loan.

Hi Han, You may want to consider DSCR loans for the exit strategy.

@Carrie Matuga I got a DSCR loan and went through Rent to Retirement who provides turn-key opportunities. 

(CoreLogic, since 1992).And each month you actually pay yourself; a portion of the mortgage payment goes toward paying down the loan you took out to buy the property.

If not use a DPA loan to buy a primary and wait to refinance. 

Hey y’all I got a house under contract for purchase. 20% down payment and I need a loan officer for a loan in Waco Texas. 780 credit score and good DTI.

Some other routes to explore are seller financing or using a loan that allows for part of your downpayment to come from "gifted funds".

It is a literal cost to the lender - and most of the loan documents I’ve seen (done professionally) say that a borrower will repay fees incurred by the lender to safeguard the property.