The best thing to do is discuss that with a qualified lender. There are different situations that allow different circumstances to have different time frames. I'm not being evasive - it is just that every situation is unique and different. As a Real Estate Professional I allign myself with quality lenders and would happy to provide a name or two for you to reach out to.
Please let me know the best way to contact you and I'll get you the information.
Have a great Veterans Day.
Keller Williams Sonoran Living