Associations on Multilevel inheritance On STI rails

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I have 3 models in the hierarchy. User > Buyer > CoApplicant. If I add has_many associations in Buyer. It doesn't work with CoApplicant only with Buyer. But if I add has_many association in User it works for both for Buyer and CoApplicant. Is there any way I can declare the association in Buyer so it restricted to Buyer and CoApplicant.

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