If not and its responsibility of HOA then yes the HOA would be responsible. 

Others have told me to build basement foundation then put HUD on top of.

., delaying closing, jeopardizing the buyer’s earnest money, losing the property for the buyer by not performing on their end, dangling a low rate then baiting and switching/ hidden fees, basically terrible customer service all around and over-promising then under-delivering).

What if that LLC has lots more land attached then just the pads? 

They find the property, manage the renovation and furnishing then manage it.

So if you provide a good letter of explanation, then you could do more than the 10% as long as it falls within the 50% of the gift funds. 

Then again, like I said, it is very forgiving. 

If you can make this more specialized than ChatGPT then yes it has value.

The way these lenders work usually is that there is a Loan Officer out front who on boards you and they are your "rep" for the loan, then that loan officer has a processor who will gather what is needed from you to complete the loan file for the Underwriting team which is a totally separate department and then they do their thing and then when it comes out the loan is voted on by the committee who has final say for approval. 

If the loan amounts dip below generally a $3,000 min compensation point, points go up to meet any specfic lender/broker's minimum comp, the more you close with a lender then better your on-going realtionship will reflect in lower points generally.