I just had the same circumstance, but in our case, we could not offer an in-house loan, either.(older condo, no firewall). Which was an Insurance issue. I was fortunate,though,the borrower withdrew. So no AA needed.
I'm thinking, you might be able to use "Other, not eligible for Investor Loan Programs". (Fannie or Freddie), Just a thought.
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tic-toc, times a wastin!