In this case, they want the flexibility of staying longer.  

@Alex SmithThe FHA loan is a viable strategy for first-time buyers to purchase a single-family home with a low down payment and flexible living conditions.

Your best bet is to understand what FHA is and is not. 

It’s worth continuing to shop around or even speaking with a mortgage broker who can connect you with a lender who might be more flexible with these terms.Also, keep in mind that every lender has different guidelines, so it may take a bit of persistence to find one that aligns with your needs.

The Legislature's intent was to help prevent homelessness, but I only see this as increasing costs and reducing flexibility. 

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

Perhaps consider future flexibility and keep the 22 acres with your home separate from the other acres. 

So, how do potential buyers come to understand builders who have more flexibility to negotiate prices downward without burning a lot of time?

And for a NNN commercial it's on the low side as well (not to mention that lending rates have killed the commercial market when heavy leverage is needed).Delaware Statutory Trusts are probably going to be your best bet given your specific parameters. 

Any review would be their cost of doing business.Realistically, if you have the experience, contractor resources, and skills to do the rehab, then borrowing money is your best bet.