I would say to be extra cautious in the present environment with making offers as any type of property could be going several months with little to no revenue against it.

You do not get to keep any extra like you do in the states.

Adding it on to the back end of the loan an extra three months.

I'll offer a little bit more if they do a little extra legwork at get the owner's name and contact information.

I would look in to getting a hard money lender to come up with that extra capital.

Perhaps it's accepting full/partial payment, rent deferment for a period of time with the intent of adding in extra payments over the rest of the lease to make it up, using the security deposit, forgiving rent for a month etc. 

In addition, my goal is to have both bathroom and bedrooms recorded by the county, so that if I ever sell, I can legally advertise the extra bedroom and bath.

So I initially need the money to pay for these holding costs, but if the ARV comes in high enough I can potentially get my money back immediately from the refinance (seeing as though I can pay off the lender in full first) and possibly even net some extra.

That may be an option but unfortunately you’re adding a lot of extra interest to your overall loan value.

With extra time on your hands, I would call as many lending institutions as possible, focusing on the smaller Credit unions and local community banks as a starting point.