Perhaps the only option if this continues.

I don't think it's a ratio problem. I believe they are concerned about the possibility for a tax lien on the property. Seems idiotic.

Years ago, I worked on a military base. An retired soldier turned civilian told me a story about buying a house in the Tampa area. The couple that was selling the house was in a real hurry to close the deal one morning and as soon as it was closed, the sellers drove away like the world was ending. That afternoon, some contractor showed up to put a lien on the house. He was too late.

I've never worked in real estate nor has anyone in the family but there's a reason all the boxes have to be checked - some buyer or seller has tried every possible con job.