Realtor/Lender Frustrations!!
This, or a version of this may help you..
As an example, I had a house up for sale at $380k,, the purchaser only had $20k (5%) down payment, but needed 10% to qualify for mortgage..
Thru a mortgage broker , I loaned the purchaser $20k, to give them the $40k (10%) they needed as down payment, and we adjusted the house price to $400k.
It worked out for all parties..
I've done it a coupla times to help new purchasers..
cheers