The loan amount will typically be determined by appraisal (LTV - loan to value ratio) - but your qualification will also be based on other metrics like you mentioned - DSCR ratio, FICO and some other factors. 

As mentioned seller credits are the best path as title insurance and taxes are pretty much fixed.

I would also mention a heloc if you have equity in your home.

What you said is valid (I certainly learned those lessons that you mentioned.

@Amy KnolesRegarding Tulum, you mentioned that someone mentioned that it's maybe not a good idea to go with a condo that is aesthetically beautiful because people really want to be outside.

@Michael Plaks Thanks for the mention!

@Itay Heled  I haven't but I know some people have mentioned ALE solutions.

A couple of other folks have mentioned this, but the TREC forms are absolutely available for anyone to use.

If you build an ADU  and you want to rent it, the guide mentions that you can only do it if it’s a single family dwelling .

Via court docket when the case is filed. this is the fastest and earliest place to find foreclosures/defaulting loans/mortgages, via the filing of the case at the court, but, as mentioned, if the process within your state does not have to go through a court (non judicial option) you wont find records of the notices there.