@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.

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

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.

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?

For buyers, this surge in inventory means more options and greater flexibility.

Your father can use a 1031 exchange to defer capital gains taxes from selling his ranch, and the "like-kind" requirement is flexible, allowing him to invest in any real estate held for business or investment, such as multifamily properties.

For brevity's sake, I understand the merit of seller's not paying professionals to negotiate against them and I am a proponent of brokers having greater flexibility and influence on compensation allocated, as it provides all parties greater chance of compromise. 

I have noticed, the more business I bring a lender, the more flexibility in guidelines, rate, and terms I get which results in better deals for my clients. 

Many of our clients are families adding ADUs as a lifestyle choice, valuing the flexibility they offer.