Fannie Mae has a requirement that if you want to use the rental income from the non occupied units, that you MUST have a current housing expense which means you cannot live rent free.

I suspect the owner could sell the property to a third party free and clear of your lender's claim to the income stream. 

prices are high, interest rates are high, there is tremendous demand for inventory, and - one thing that doesn't get mentioned enough - a record number of properties are debt free. 

Please feel free to message me! 

Work your 9 to 5 for several years and in your free time grow your real estate business on the side.

Pricing in DFW probably means you wont live rent free,and will have to pay your fair share of normal rent, but you also get 3 more people contributing to your loan paydown and you get to keep the appreciation.Buy hey...maybe I'm wrong....go talk to a local bank or credit union near where you live and get a term sheet from them for financing. 

Was there something in the terms of the divorce that allowed her to live there rent free?  

Feel free to reach out here or DM me directly.

Today a successful brrrr is trying to recoup as much of your costs as you possibly can lol.typically i find that people are leaving behind a small amount, less than the 20% if you bought a turn key...some see that as a win. with out knowing deal info hard to quote any rate. feel free contact me. with a decent credit score mid to high 7s for 30 years fixed. also needs to cash flow.

If your money that you want passed down is in a ROTH or something your beneficiaries can wait 10 years for distribution to get them another 10 years of tax free growth.