She's probably using one floating around the office, one you provided, or one she bought from an attorney that's full of legal jargon and missing important clauses.

I’ve personally house hacked in the Irving park neighborhood in Chicago with a multifamily so not completely relatable experience to what you’re looking to do but hopefully can provide a few insights.If you go with the suburbs in a SFH, you could rent by the room and presumably increase cash flow.

I've used the calculators BP has provided and most of these Homes don't cashflow.

They will also provide guidance on how to handle the conversion and any necessary adjustments.

Please provide your email, can give you some more details.

So, the only way to buy a primary home without providing tax returns is if you are self employed and use a bank statement type loan.

A conventional loan under an LLC provides liability protection and easier rental management but requires a higher down payment (20-25%) and stricter lending terms, which can reduce cash-on-cash returns.

That leasing agent can provide very good insight into what is moving in the market and how to generate more income. 

Ive done A/B testing to see if going through my mortgage broker, or going directly to the bank would produce a better result.

You will get a more accurate response if you provide all the details in your post such as1.