Alternatively, you can receive an EIN (tax id #) from the IRS as a sole prop.

If not, the alternative is to find a way to do it within the law. 

So really the only alternative is 20% and I think the first time home buyer conventional loans also have similar limitations, right?

You may have already looked at these alternative things. 

The (less appealing, for sure) alternatives are just to hold it for a few more months and/or sell it below value.

The important thing to do is to ask a lot of questions, check out alternate ways, find what is best for you and then make it happen - no one will make it happen but yourself so lace your boots up and make it happen!

Alternatively, are you able to add your own doorbell camera?

Alternatively, I'd find a local investor who can complete this deal and bring it to them.

Unfortunately even if you find the lender an alternative appraiser, they are only allowed to pick from their pre-determined list, as opposed to one you provide for them.

It alternates between sending insults and demanding his money back.Despite our detailed accounting explaining the numbers, in 100+ texts, he has not given any reason as to why he thinks he should get more money refunded nor stated an amount.