If you have sufficient equity, credit and cash flow, I can’t see why a Bank would be reluctant to lend as that is how they earn their income.  

The very first viewing was a hit- family of 3, more than sufficient salary, has been in their current rental apartment two and a half years and are ready for a little more space, reliable employment.

The first lesson that we all can learn from your experience is the need for sufficient insurance protection on our investements.As to your question, my suggestion would be to use your cash to acquire multiple properties.

It is complicated but you basically just need the number of people on the loan that have sufficient credit scores and income to get the financing you need.

so it's unclear who would be providing what but I doubt it is sufficient to move forward.As I buyer I would agree with the wait and see approach.

Does a $25 fee seem sufficient?

Read about self sufficiency rule as well for MF for 2-4 units.

Adequate insurance will be more than sufficient to protect you provided you do not make the mistake or accumulating excess dead equity.

Often a DBA and partnership agreement is sufficient.  

That is required when you don't have a sufficient down payment.