Very likely neither party will qualify on their own.

If they are able to sell to a home owner, its usually the home owner who can barely qualify for an FHA mortgage, turns over extensive repair addendums because they recognize they don't have the means to handle home repairs on their own and must have the home 100% move in ready. 

It has 2 units, both with bedrooms and full baths. 1, Would this property qualify for a residential loan or a commercial?

.⏳ After that period, if you decide to move out to purchase your primary home, a lender can use 75% of the total rental income from the fourplex to enhance your overall income for qualifying purposes.😀 This can be a fantastic opportunity for those looking to invest in real estate while managing their living expenses.

I have been to many islands in the Carribean and Bahamas and there are many fantastic island to include Anguilla, the Abacos as St KittsThe bonus to St Kitts is qualified ownership can also come with the ability to obtain a 2nd Passport.Saying that, I am not a big fan of owning outside the US as the ability of a foreign government to turn on non-citizens will always be there

You can't do this - you will need to provide some equity through a down payment to qualify for a DSCR Loan - need "skin in the game"

.: Unfortunately STRs do not qualify for tax incentives. you will pay 33% income tax on earned income.

However, this is impacting what I can qualify for w/ the banks. 

@David C. when you get a loan the bank requires that you qualify and put the property into your own name, no matter what. 

Post the home on roomies.com, FB market place in your area and reach out to renters that are qualified.