I will throw another option out there that a lot of my clients here in Denver have had success with, and that is finding a single-family home that has a mother-in-law suite, or potential ADU area.

In my area I go to the 13th circuit Court website and I can look up law suits and even speeding tickets.You should have something similar and I bet with a few tries on google you can find it.

I am exploring the idea of carving out a mother in-law suite from an existing SFR.

I've come across several that are taxed as single family home with an in-law suite; rather than a true multi-unit.

I would challenge you to find a single successful lawsuit where a landlord is responsible for children in his or her property just because he or she knows a non-parent lives there.  

If an owner is found to be over-recovering on water, a necessary commodity, it open up grounds for a potential lawsuit.

I have a call into the zoning dept currently, I was thinking of an ADU mother in law suite- the garage is already there, just needs to be turned into a living space.

Back House is a in-law suit fenced off from main house 450 sq ft unit.

Business purpose lenders also allow you to protect yourself and your personal assets from lawsuit and other financial risks by allowing you to own the property in an entity versus your personal name. 

If you can use it as office space, maybe you can lease it together together with one of the units.Or can one of the other units be rented as a unit with a addition separate entrance in-law suit and set it up so that those 2 units are linked through the lease as one unit even if they are not physically connected?