6VD1 advice needed for low compression (expert pls)

Hopefully a 6VD1 3.2 DOHC guru out there can spare some advice.

'92 Trooper w/just at 100K on well maintained, babied motor. Yet, told wouldn't pass CA emissions due to burned valve(s) #2 cyl, causing low to no compression. Which I went home and confirmed.

I find that a bit unusual that a car w/only 100k miles these days would burn
valve(s), but I guess it's possible.

My question, how to approach a fix. I know it's a fairly complex engine, but got no choice or $$, so gotta do it myself. Confident I can, done worse. But
wondering which way to go.

Pull the head & find a replacement? Valve job? Better yet, what could cause this? Lifter fail?

Just looking for some clue or direction.

Thanks in advance.

p2

First things first, how old is your timing belt? Has it ever been changed out?

A timing belt that's stretched can cause timing issues, which could possibly be related??

What kind of oil have you used in the past?

Timing belts & tensioner replaced around 90k. Oil's changed religiously every 3,500 mi. Kendall GT1 10w 30 or 40 in Summer.

p2