Fannie Mae & Freddie Mac don't like land and if your wife's hobby turns into income, keep that separate, you will run into trouble with them as well if it's an income producing property. 

@Scott Mac as a matter of fact they do put you out on the street in many instances. 

@Scott Mac thanks Scott!

Then buy a noiseaware device to enforce that

Freddy Mac has a program called Home possible that you might be able to use for a conventional loan with 5% down.

I'm not sure how long the Freddie Mac (home possible) will be available, typically one follows the other in changes.Hope this helps, sorry for the length. 

Depending upon which computer you're using {Mac, Pc} its level {XP, Vista, 2000, Win/7, Win/8 and now Win/10} the IE browser is a Law Unto Itself. 

Some take commercial breaks and pitch stuff like hard money lenders, business credit, virtual assistants, landlord services, deal partnering, websites, marketing services, home security devices, etc.

I ended up having G-Mac Construction (great company)  dig the outside of the basement wall down to the footing, I pushed the wall back out as far as I could using the I-beams, I cleaned the wall, I had a rubber coating sprayed on the the wall (a company recommended by G-Mac), I put in drain tile and G-Mac back-filled with sand then dirt.

Congrats on your life long success.Thanks for the kind words....Well, yes, I am glad you asked that question, in fact with the most recent development that made medical history, I am honored to say YES, I did go through, even at age 73, the not so painful process of cloning.When  I started in this business, the most exciting electronic device I purchased when they came popular is a pager, I had to use pay phones and actually mail letters, look up property owners in person at the court house, go to the copy center, and drop off film at the local photo-mat and wait a week to get my pictures.