We've worked through most of the financial aspects, built in buffers, and taken a cautious approach.One key priority is setting up checks and balances to reduce the risk of fraud, especially when it comes to handling funds.

It saddens me to see this percentage creeping upward constantly.

There's no workaround for bringing it in house.

If you can help with the terms of the mortgage I could better assess how I would work on this deal.Have you considered lease option in it's current state?

I get what they are trying to do here, preserve 2-4 unit properties and discourage deconverting to SFH. 

Are you looking to do fix/flip or BRRRR?

A "kiddie condo" is the concept of buying a residential property with "owner occupied" rate financing made possible by having an adult child living in it, if only while they're in college or single.

Do they want to move?

Thanks @Jason Bott do you know of ones that may cover the same in Texas? 

My spouse already has an account so for both of us to use it is $556.