With $80k to invest, you have some flexibility with your options.

They have a greater flexibility when it comes to rates/premiums they can charge, and they also have more flexibility when it comes to the coverage forms/policy language they write.  

Some programs require a $100k value (or loan amount) minimum, so I need to stay flexible with a program that offers $75k minimum value and $50k minimum loan amounts.• What is the property seasoning?

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

@Nicholas KaniaLLCs and S-Corps are popular structures for businesses among real estate investors because they provide flexibility and protection from personal responsibility.

@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?