Not knowing the law does not exempt you from it.

There are a couple of exemptions for those that lived under two years. 

I've seen lenders exempt years spent in college as "work history" but the borrower would still need to have sufficient funds/reserves and a solid credit score. 

I am a busy medical professional and don't have the time to try and find off market deals and also don't have the time to constantly peruse the MLS looking for deals.

Every state has exemptions.

A robust medical community also. 50%+ of the population here are renters. 

I do have those who show up stating “but my cats are clean” or “it was only one eviction” which I just say no, but I’ve also had those who may be slightly off income but have a qualified co-signer, or a lower credit score but it was for a medical bill or student loan, and they worked out well.

Medical/physician programs are typically best for primary or investment purchases..check in with @Joseph Chiofalo he is a national lender and refinance savant that's worked closely with me for over two decades.

You can specify the coverage level for the dwelling, household furnishings, loss of use, liability, and medical payments to others.

We also used Sarah's shopping list to help us furnish them properly for medical travelers; she has great suggestions with links to the best prices.