I’d also recommend Peoples Bank and Fidelity Bank as local options.

Happy to talk more about all options. 

Non-homestead affidavits are used all the time but title underwriters do have the authority to determine if they wish to insure or not insure title...it's their option. 

I want to rent a house (that will be a rental) with acreage with an option to purchase. 2.

Some larger broker outlets will give the option to have the loan processed and underwritten with them but this isn't the norm (UWM comes to mind as a big lender who now gives the broker this option of taking care of all of the processing or certain aspects of the processing which they call "processor assist" - this is fairly unique as far as I'm aware however).There are so many little variables to every situation but generally speaking, if an MLO is skipping over the spot where his/her license hangs and taking a deal somewhere direct, there wouldn't be a compliant way to pay the MLO.  

Gustavo, Since house hacking isn't an option, you'll have to put 20-25% down. 

Your options are not limitless.

I would explore this option. 

I manage remotely so giving the option to rent it separately is not an option.

A $20-30K private loan from a family member may be an option if needed.