@James S. your best bet is a local bank or credit union who knows that area. 

I bet those carrier representatives have access to their companies AM Best reports, and would be willing to share those details with you. 

DSCR is the best bet to get something like this done.There are products with no seasoning requirements and products with 6 months seasoning.

Going the attorney route will take time and money, but it could be your best bet if the developer refuses to renegotiate directly.All the best!

5+ units DSCR or commercial mortgages. each one is used for different things. really matters purchase price. location of property and your physical location. dscr looks at the property and your credit score. commercial bank looks at you and the property. tax returns, w2s DTI. then the property needs to cash flow enough for them. dscr is a bit more lax but higher rate.

I'm not a lender so make sure to double check, but I believe the DSCR loan will be the best bet.

These include (but are not limited to);a. a drop dead date for her to refinance and take you off the mortgage (5 years, whatever);b. trigger events for her to refinance regardless of date (birth of child, remarriage, failure to maintain the house physically, cease using house as primary residence, failure to pay insurance or property taxes, no "subject to" sales and etc., etc).and no doubt a host of other things.Then there's your remedy if she fails to keep her end of the bargain, including who gets appreciation, right to possess or maintain, etc.Your credit score is far down the list of concerns

1/3 of an acre on a corner lot isn't that big, and I bet not split able.

I'll bet these guys don't.

DSCR is going to be your best bet.