As far as I know, if they will be a co-borrower on the loan with you, they must also be on the title and occupy the property under HUD guidelinesI was in a similar situation where I was told that my gf could simply "cosign" on the loan but would not have to be living there.

Hey Ethan, my wife and I also used a co-signer to buy our first duplex because I am a 1099 worker.

Essentially, the federal government is acting as a co-signer for your loan & will guarantee up to 85% of your loan, though 60% is more common.

a call to animal control or police or a complaint by a co-tenant.  

I’m a newly graduated dentist and since I have $360k in student loans I don’t qualify with most lenders without a co-signer.

you'll need somewhere around 56 units-75 units depending on how quickly you can acquire them. another option is partnering with an experienced syndicator as a co-syndicator in which case you would simple have to raise $50,000,000 in private equity. you'll need to find a way to do 20 years of work in 5 years but even if you fall short by half you'll still have increased your net worth by $500,000kId start reading the following books, most of the knowledge you'll need is in these books, but Gaining the experience you'll need in the short amount of time will be hard if I were you Id look for an experienced partner or mentor.start reading....low and no money down dealsbrrrr investingbest ever apartment syndicationmagnetic capitalabcs of real estate investingrental property investingestimating rehab costthe e mythraising private capitalthe real book of real estate10xreal estate finance and investment manualcashflow quadrant 

Set up the home as a co living space and increase rents?

Be sure to do your due diligence and research the lender before committing to any financing options.Consider a co-signer - If you have a family member or friend who is willing to co-sign on the loan, this may help you qualify for financing even if you don't meet the rental income history requirement on your own.

It may just be a scenario where I have to bring in a co-applicant to get me as much as I can get.

We have a co-hosting company which helps with the realtor licensing issue, and it should work for you also!