If you're just looking to purchase a single family house you can do it through the US subsidiaries of Canadian banks.

My bank is not requiring a commercial inspection. 

Regardless, 8 sf/person is acceptable to banks and investors.

It’d help if you could come up with a part time job, sidehistle or summer job that puts some cash in the bank so that you could contribute toward the down payment and perhaps have a month or two of mortgage saved.

Most banks won't recognize rent revenue (thus affecting your DTI) until a property is seasoned.

well mine is ancient history 1977 ish.. you could only get 80% financing in those days.the bank allowed a private second.. that's what HML did they did the 10% second as there was no rules against owner occ.. then the bank did the first and you had 10% down plus closing costs.but one year of income worked as well.

I purchase for $100k with the bank lending $80k off that line and I kick in $20k.  

Should I go talk to my bank and ask about it?

I then own the property and the PML is my bank with full rights to foreclose if I default on the loan (would never happen).

I am thinking once it hits the bad guys account they have within 30 seconds moved it off shore.this all started when title companies would not take personal checks.. because lenders and such could not get there docs there until last second.. so no time to clear a check.So then the title co  required cashiers checks.. well that went along for a while until the bad guys figured out how to forge cashiers checks.. it was really bad in Florida for instance.So then it went to wires were we are today.. and now with everyone relying on E mail. and the ability of hackers.. once the bad guys realized how much money flowed and how many to most of the folks doing this were newer it was like katy bar the door.our process since we wire every day.. is two fold request from closer and at this point we might be on deal 30 with the closer and have their coordinates.. any e mail that changes their wire.. the big one is Hey we just moved banks here is our new wire info.. that is HUGE red flag and we go into telephonic mode.. most of the closers I use I have used for many years so I know there voices..