I'm not from Oneonta but my wife is from Worchester.

Quote from @Jai Windish: Hey everyone,I am from Illinois and actually closer to Peoria than Champaign, but choices were limited.

The contributions are lower so it takes a while to build, but once you do, it's tax-free investing. 

A revocable trust offers excellent estate planning benefits but provides limited liability protection and no tax advantages, while irrevocable trusts provide stronger protection but less flexibility.

But last I check their requirements for LTV/DSCR was very strict.   

But here’s the thing.

How about a sales contract with contingencies but with a limit where the buyer can only terminate the contract if their find material defects exceeding a certain dollar amount.

What about my search is producing such limited information?

Originally, I felt limited by conventional lending DTI.

There are limited exemptions such as if you inherited the property where it would be allowed.There are technical means to navigate the 90 day rule but your best bet by far is to talk to the lender and let them know the situation and ask for their direct guidance.