In our area any house purchase at this point will put our portfolio at over a million dollars of real estate, and I foresee this wall with my DTI is coming at the 4th house mark for us regardless (whether it's now with this house, or even if I wait to refinance and look for a 4th house after), so I am looking for creative solutions from people who have crossed this barrier successfully. 

We have officially crossed over to investors!

Evergrande has defaulted on its payments as their debt crossed $600B USD.

.- Using an attorney for a real estate transaction and mortgage structuring has been so easy and very cost effective.- Offering the seller more than they thought their home was worth made them willing to finance the home for 0%.Bottom Line - 1. 

I'm not 100% sure on this, but I believe that in the state of KY real estate transactions/loans must be closed by an attorney.

My thought was to use the next year to build good standing with the city while we can, and hope for the best in JulyThe property still pencils out for us if we have to do a long term rental on the other side, (ie very cheap mortgage for us in a great neighborhood) but there’s a lot more potential profit, obviously, if we get to run the STRAnd thanks for mentioning the WiFi, that never crossed my mind. 

This is not an "arms length transaction". 

Both sell and buy side will be $1 million+ each transactions. 

What was the cross street on Locust that this was located?

Find out how he or she wants to book these types of transactions and then stay consistent with that method.