I believe the application & requirements (regarding preservation) are close, if not identical, and would allow you to qualify for both. 

Unless you were committing fraud in your dealings with people, everything’s on the up and up.

<--- This sentence implies in the sale of a house.When I read upon this I run into statues of fraudThe "Statute of Frauds" Defense in Texas.

Your name is still on the original loan, even though your name may be off titlenow, so that should Not have helped your DTI.I always discourage people from doing shady, mtg fraud related actions,  it barring you stating you Will sell, or have already sold, I’d explore putting the title back like it was, and carry on.

But the lady who is the victim had a dream to create a retreat for addictions  as her daughter had passed away from an OD .. so it was her mission and she was far more emotionally involved with this other than just losing 10k.. to these fraud's.

It will be surprising to you how easy it is to spot a fraud with just these few tips. 

I have always used cash or checks in the past, but now I use Cozy.co and enjoy it for the most part, BUT, I did have a tenant claim online fraud and Cozy pulled the tenants deposit from my account 15 days after it was paid.

They could have been a victim of wire fraud, but not my problem, right?

and I know that is accurate because 3 identical ones in the complex sold for that.   

But he offered a very nearly identical path forward that is actually better:- buy first primary with FHA- in 12 mo ++ after saving up another 5% down, buy next primary with conventional 95% LTV