GZZ,
Perhaps you’re right.
However,you have NO CLUE what suggestions I have for the OP, or the type of advice that I offer and I actually don’t have any until I know a lot more details.
I have no interest in putting anybody into a loan that they don’t need. The OP has a goal that they want to accomplish.

BTW, This IS just ‘any website’
People can say whatever they want without any accountability.
Comments on any website are mostly opinions.
Many times it’s totally false information presented as factual.

I’ve been on this site for 7 and half years.
I’m glad that you have learned a lot but you don’t know anything about me.

The loophole has nothing to do with getting around loan guidelines, it’s just something that would just benefit the OP.