here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA. ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation?

Would also love to connect with any Potential owners that have a STR in Kingston ny, Saugerties ny, Woodstock NY, Rhinebeck NY or Ulster County area!!

It is perhaps my favorite meetup that is not associated with a larger group (such as SDRE, NSDRE, SDCRE).For the most part the lenders only lend on non owner occupied ADU, at low percentage of ADU addition costs because they know that usually the value extract will be significantly less than the ADU addition costs.  

If the co borrower is less than 51% owner in the entity, some lenders will require a credit check, but won't use their score unless its less than the minimum qualifying score to get the loan approved.

SBA requires a minimum of 51% owner occupied.  

Secondly I would look into if it make sense using realtor or not, there are markets that it makes sense and there are markets where unless you as the owner are paying agent fee most will pass. 

The checks go to the owners directly, and he has a maintenance person and attorney on speed dial.

Quote from @Nick Grassi:Not sure about Florida, but my experience with solar.. 5 years or more ago, buyers would take over leased panels and not have any issues with getting a solar lease from the owner prior to them.

We can help you with those pain points via virtual assistants and AI for guest communication, which effectively eliminates about 90% of owner required communication.

plus for infrastucture and that is flat NO DIRT being moved just underground and paving . sidewalks go in by each lot owner.