I don't have any specific advice to your exact situation BUT I am sure there is a way to work it out it might just take some time to figure it out. Mortgages are (even still after the 2008 housing collapse) kind of a ridiculous commodity that can vary greatly from lender to lender. I would think you guys could get some non-traditional type of mortgage, the tricky part will probably be connecting with a lender that offers it. If you haven't already checked it out, look into the RI Housing Authority; https://www.rihousing.com/buyers/ I would guess they'll be able to provide more info/direction about where to look specifically and may be able to connect you with a service directly.