If you want to do a loan and have the property titled in the LLC, a DSCR loan is an option. 

Consider FHA loans, working on your credit, or DSCR loans.

However, I am in constant communication with banks and in this environment I more often hear banks take the position of we want to see a depository relationship of XYZ percent of the loan amount in order for us to lend you real estate funds rather than take the position of offering better terms than other borrowers because of your depository relationship.  

A cash flow-positive property is ideal.Financing Options: Explore loan options like FHA, which may allow you to buy with a lower down payment if you live in one unit while renting out the other.3.

3.5% Down FHA loan How did you add value to the deal?

If you wanted to get her assets/credit up you could add her to the title/loan post closing.

However while the chances are very slim, this route violates the due on sale clause in the Deed of Trust you signed for your loan

I had to prove that I'd graduated from college, because I had deferred student loans, and students aren't allowed in their properties.I had to have personal references, too.  

If you're looking to scale wisely, I'd be happy to discuss financing options that fit your goals, whether it's DSCR or Hard Money loans that focus on rental income for qualification or other strategies geared toward scaling your portfolio! 

I currently have a hard money loan on the property and am shopping lenders to cash out refi.