So because the other unoccupied unit has the same number of bedrooms owner occupied might be a no-go, but the SFH (2b, 1ba, w/garage) unit has a larger square footage and garage access, so wondering if we might be able to get use that as a means to occupy that unit.

I would get 0% offers for balance transfers where the bank would allow me to access up to the card limit in cash and direct deposit into my checking account within 2 - 4 days (for 3% fee).

Now I have a few thousand dollars saved up with no debt and access to about 5K in borrowing power.

Implement themed experiences like a "Movie Night" with popcorn and streaming access or a "Game Night" with popular board games.

Leverage Your Equity: Consider using a Home Equity Line of Credit (HELOC) or a cash-out refinance to access your equity.

What we need is easier access to credit info en mass;   Who in some area is 60 days late on their mortgage?   

If you have a 2.4% rate on your first, a 2nd lien or HELOC is likely going to be your best bet to access the equity without incurring higher rates via a refinance. if you sell you wouldn't be buying a "second" property anymore. 

They have access to MLS and are able to populate reports by zipcode 

They may need to access cash or move to a more suitable living situation.Tax Liens or Legal IssuesOwners facing tax liens, legal disputes, or other complications may want to sell their property fast to resolve these issues without further financial or legal consequences.Burnt-Out InvestorsReal estate investors who are tired of managing properties, dealing with tenants, or facing constant repairs may decide to liquidate their holdings quickly to invest in other opportunities or simplify their lives.Understanding these motivations can help you tailor your approach and offer solutions that address their specific needs, making it more likely you'll secure a deal. 

Especially with the rising age of the baby boomers, I can see a growing need for accessible housing for the elderly wanting to downsize or diminish the effort of maintaining a single family home.