Posted by Jason-DTX on March 09, 1999 at 01:56:34:
Then just take back a second. If they can quailfy for 80-85% they might qualify for an 80-20-0 or 80-15-0 loan. Worse case is they may need 5% down in an 80-15-5 or an 85-10-5 loan.
Steve Cook had a good idea on hiring them to do some work on the house and pay them enough for the down payment. That should allow them to qualify the income and use it as a down payment.