@Daniel PorterI dove deep into Dallas ADU policies a while ago and from what I remember things are still in flux regulations-wise, but it seems that you can have ADUs for single-family homes, HOWEVER to get a CO for it, it puts a deed restriction on the property that requires it to be owner occupied.

Once they get it in their craw they will keep asking questions.Look into FHA and even Down Payment Assistance proograms that might be enough to offset the per diem discrepancy.Find a co=signer or team up with another nurse partner 

I'm not interested in having a co-manager, thank you very much.How about 3 cats and 2 dogs?

A co signer is an option too, if you have someone willing. 

I'll send some basic info to you via private message regarding my own plans for a co-living multiplex.

To be honest it was pretty great, considering I am a stay at home wife and I have been a co-signer of my husband's cards.

My credit score is on par, etc. it's just that I do not have a co-signer and with such a low income I'm not sure if i would even qualify for any loan. 

I'm interested on buying a co-op investment property for a BRRRR (my first investment property in the US, $250k asking price, $400k ARV, $50k rehab costs), but I'm not willing to pay cash for it. 

@Scott TrenchTax exempt bonds from Colorado will be exempt at both the federal and state level(Assuming you are a CO resident).There are 'Muni-Funds' which are funds that invest in various amount of different municipal funds across the country. 

If they do not deposit them in the bank we require a co-signor.