This is pretty clean.Scenario 2:  Your partner has owned the house for 15 years and has been taking accelerated depreciation, so the book value of the house is very low. 

Option 3- If they have qualified for FHA; counter the offer to see if they can qualify for low downpayment conventional loan

Conventional mortgage product? 

If I weren’t selling an SEO product, it might have been perfectly acceptable to share these golden nuggets freely.

Yes, it's true that you might be able to find a product you need at a greater discount when a brand like Wayfair or CB2 is having a sale, but I've found that they truly do offer superior discounts at scale, even considering the fee. 

I would advise you on the DSCR loan to implement/request a low duration prepayment penalty (i.e 3 years - 1 yr PPP).

They said that was too low for them, so I offered $175,000 and they accepted. 

So, go with a good solution on the deadbolt.Screw a lockbox in a wall near the door for an emergency physical key.Find a locksmith that can rekey the doors between tenants - put ALL locks on the same key.Most electronic locks warn you when the battery is getting low.

That’s why you get a discounted interest rate and a lower downpayment, because owne occupant properties are low risk. 

Lets say your accountant tries to write off as much as is legally possible when it comes to lowing your taxible income so that your tax burden is less and you pay less taxes.