Its hotel law not landlord law. 

Major issues are lack of parking, lack of elevators, leading to numerous unlived in units.  

It sounds like the issue is with the Debt Service Coverage Ratio (DSCR), which lenders often use to determine how much they’re willing to loan.

Texas has some screwy laws (are you even investing in Texas?)...

As Jay and Jamie have stated above, a minimum of 6 different factors play into the pricing, but it is not an all or none issue. 

I was able to see those for you here https://www.biggerpockets.com/analysis/rentals If you can't see those feel free to email [email protected] with your browser and a bit more information about where you are seeing the issue

Ensure compliance with local laws, start with smaller loans to gain experience, monitor your investments regularly, and trust your instincts as you navigate this venture.I myself, as a PML.

Could you gift the down payment to your mother in law so she can buy it and then transfer title to you when your house is done?

Plumbing company says its the only way to resolve the issue I have.

Period.I love my family, BUT the stories of issue with family doing business with family are ubiquitous.I hope all goes smooth for you and everyone is happy, BUT......My 2 cents,Mike