Since you're only 20, you don't have a ton of credit history but there are still some loans you can get. 

My wife will probably just hang it up after the great run she has had as a resi agent and will be my daughter in Vegas team member and assist her in selling all those big time props she sells..

Hey Selina,Rates will be pretty deal specific as residential focused DSCR with your history would be better then even a true commercial property.

Tons of history in the historic building, was upgraded in 1990s. 

She doesn't want to evict her due to her being her daughter(23) and her daughter has a 3yr old.

SSM could be promising in the long run and despite its not so nice history, the future seems bright! 

Verifying last 2 years of rental history very important!

I work as a teller at a bank and some of the bankers have recommended me to take out an auto loan in order to have a better credit history and higher chances.

Having good records, bank history and reserve funds are all essential elements to successfully close the deal.

You will need 2 years of work history, but you can use college experience to supplement work history.