@Denise CarringerMy preference is to go local - some community banks offer this type of service or local escrow companies, which is what I found, because they offer a higher level of service than most national.

Find a quality agent in Texas, then ask them if they offer a referral fee.

You can offer to buy the upstairs residents an area rug, but I wouldn't force it on them.   

If in your shoes I think I'd call sellers bluff and put em against the wall of it via how I construct the purchase offer.

The markets offer low to medium gross yields that max out around 7% if you buy in todays market.

Quote from @Alex Patton: I know there are hundreds (thousands probably) of lenders out there that offer a DSCR product.

I think she is equally responsible if she is 50 / 50 ownership per the offering and through thier own discussions on podcasts, social etc. 

We offer the mortgage investments to our investment group & service each loan. 

There are companies such as Cover that offers a full service ADU deliverable from design through construction completion.

Right now, the best offers around me are for some 1.3-4 million, that only generated around 100k per year gross, so there would be a high chance of not cash flowing, and paying money, especially with a commercial loan (these buildings have more than 4 units).I was thinking that although the rental itself does not generate money, I would be able to deduct the mortgage interest, and depreciation from my personal w2 income and would be net positive.