I'd like to buy a house in the spring of 2019. My situation is a little bit complicated.

I currently have IRS taxes of about $90,000 listed as uncollectible.

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I had a payment agreement with the IRS, but tax/irs attorney recommended going into uncollectible status, to let 30% fall outside the 10 year statute of limitations.

This resulted in the IRS filing a federal tax lien.

The lien no longer appears on my credit reports after the July 2018 change the credit bureaus made.

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I live in California. The average home price for the area we are looking in is $600k-650k

I have about $300k in stock from my engineering job I'll be able to cash out this spring. I was planing to use it for the downpayment. I can do a larger downpayment if needed.

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Should I get back on an IRS payment plan right away? The $90,000 will count against my debt to income ratio right?

Or should I use FHA loan instead? I could potentially pay the tax lien entirely off in spring, but I'd prefer to reach a settlement for less with the IRS (I highly contest the amounts)

Will the IRS lien not come up when getting a mortgage because it's not available on my credit report?

I'm a bit confused, since things changed in July 2018.

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Income:

Salary: $160k/annually

Home Business: $80k/annually (we wrote everything off, so probably won't even list this extra income)'

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Will it show up in a title search?

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Alternatively

Can I just give my wife the $300,000 and let her buy the house? Her credit is slightly higher anyway, but she only has the income from our business and not a regular job so that might not work.