Does anyone have any good options that are safe and won't break the bank?

While some jurisdictions require this by law, it’s always good to ask for confirmation and ensure it’s documented.

This change improves privacy and minimizes unauthorized access, but it's essential to consider local building codes and regulations, as many jurisdictions require safe egress routes for basement units in case of emergencies.

You will need two years of your 1099 documented income to qualify for a loan as a 1099 employee, both years of taxes complete for them to formally pre-approve you most likely.You need to bank as much money as possible.

No bank, agent, survey, appraisal, etc.  

The REO bank had loan officers at the auction and approved a $180K mortgage. 

I guess I'll just follow up real quick - I did indeed just setup another mailbox, labeled them "A" and "B", and for the last 4 years I've never head any problems.Is your tenant able to change their address to unit B in other places like banks etc.

We review three months worth of bank statements (with scrubbed account numbers) to verify income and their financial health as well. 

.* In Some jurisdictions takes even 3 months to just get a demolish permit (even though permit expediter can be used)* Because of these 2 above reasons, I would have to come with high money upfront as I would need to buy the property in cash.

After a transformation, I import information from Stessa (it auto-injects info from banks) into a relational database, run a few queries, and then do a cross-tab query to bring it all together into a report.