I'm in the process of making  an offer for multi family property for rental purposes. The financial institutions I have contacted require in average 25% down payment. They have asked for a Personal Financial Statement from me, where I should detail all my assets and debts. I'm still in the pre-qualification process. I have provided that document to them. Depending of the final scenario, I might fall short by about 5 % of the down payment. So, I have reached out to hard money lenders to fill the gap, in case I need the extra money. However, I have not told the financial institutions that I might need that little extra money. If certain things fall into place, I might not need that money. 

Should I let the lenders know, I might have additional funds via hard money lenders, if absolutely needed? If I tell the banks, could that impact their decision to provide me the funding?  Could that impact the terms of the loan?

Note that, I could cover the extra funds via my retirement funds. However, I chose not to do so because of the tax hits I might take.