Hi there bigger pockets members I’m a first time buyer and found a house sooner than I though and I don’t have the down payment witch is 3.5% I need to have 20,000 down what’s the best way to come up with the money or is there any 1% down programs I should look for PLEASE HELP I’m I’m the Los Angeles are and it’s a property I’m wanna house hack

You build a Buyer pool relatively quickly, and the cool thing is that you aren't begging them for business, but rather THEY are coming to YOU to help them.Keller WIlliams has a great training program called IGNITE, that helps you focus on hitting the ground running (thus the obvious title). 

That being said, HUD has a "Good neighbor Next Door" Program where they allow Teachers/Police/Fire/EMS to purchase at a discounted rate (50% of asking) as long as they live there for a couple years.

An option could be to require that the dog be certified by a reputable program if below your threshold age (if you were wanting to expand leniency in any way on the policy).

Just got my real estate broker license and setting up the foundation to the broker and want to get everything set up properly via necessary online software/programs.  

They can enter it into an owner occupied homebuying assistance program, and get whatever tax break.In terms of the title issue, it could be just about anything. 

Some notes to your bullet points:- Freddie: This sounds like you are talking about Home Possible (a Freddie program for first time home buyers and targeted areas).

We got $8k back as first time homeowners from IRS/Govt incentive program which we added to our renovations.

I broke even on both.Realtor did offer me an exclusive lead generation program - all leads went only to me. 

NFIP (National Flood Insurance Program) administered through FEMA is the government option and has had a monopoly for 50 years and due to this has driven up the cost. 10 years ago the president and both houses signed into law that the market is now open to private flood insurance companies (usually backed by Lloyds).