I’ve approached a local bank in Upstate New York offering a 30-year loan with a 10% down payment.

Hey Ryan, I know there are some folks that provide this service but I'm not sure exactly how it works and how much trust is involved.If it's any consolation, I wouldn't sweat it too much.

Third, what's your down payment budget?

I have three properties with Mortgage payments.

Do you want big upfront payment year 1 or smaller monthly payments spread out over time.5.I'd also think about what you want to do with the money. 

If your lease has that clause (and assuming your local laws permit), consider notifying your PM of you intent to escrow your rent payments until the situation has been corrected.

You can trust them.   

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.

near 0% and 0% options with DPA's exist (down payment assistance) programs.

Many don't qualify for low down payment/FHA for a variety of reasons, especially the ones sub 200K.