There is no loophole. But to fully understand the possibilities you must have a thorough understanding of the nature of Time for The Savior transcends Time and your spirit will exist even when your body turns to dust. What do you know of what will happen in the spirit realm? Looking for loopholes is decidedly the fool's/lawyer's approach to ignoring what Jesus said must be to be born again. Your question rings of reductionism, as if our finite minds could limit God's means.
Are you accusing Jesus of reductionism because that's the author of the words that I used. Either He's the Way, the Truth and the Life, or He isn't. Was He just fooling around when He said that you must be baptized and believe in Him to be saved, and if you don't, you're condemned?
I'll be perfectly frank with you and I won't apologize for it either. I don't buy into this universal salvation that is being promoted by some today. I'm a Roman Catholic, not a Unitarian.
Our "finitie minds" were told by God Himself when He became man the means for salvation as expressed in the verses I gave earlier from Jesus. As well, His Apostles, St. Peter and St. John said, "Neither is there salvation in any other. For there is no other name under heaven given to men, whereby we must be saved."
False religions offer no hope of salvation; neither would I want to encourage them to stay in something that would result in the loss of eternal life with Jesus Christ.