Anyone else betting on rural to solve the shortage?

Real Estate along the coasts is always a good bet for appreciation, as there is only so much land and you can only build in one direction.

Location is key, so buying in the best neighborhoods is your best bet for solid appreciation.

Interesting, I bet she is a unique person.

Suppose their guidelines say that the Named insured must be the property owner.  

Now the seller has to convince his lender that it's a safe bet to lend money on to buy the house.

The only exception are parents, relatives and close friends (i.e. angel investors).Best bet is to build some experience by house hacking (FHA loans allow for buying up to a fourplex, as long as you live there, with only 3.5% down). 

I think your best bet would be a private lending individual but as Chris said, it just doesn't really make sense from a lenders perspective. 

You could reduce future contributions to absorb the excess over time.Since you exceeded the Roth IRA income limit entirely, recharacterization up to the limit or withdrawal is your best bet.

I would probably, say "thank you, but our renting guidelines don't allow for that big of a debt load to be approved."