A "miserable corporate job to no where" isn't all that bad - health insurance benefits, 401k matching, probably some sort of discount stock purchase plan, stability, lenders like it.

Or you're just on bad dirt.The worst parts of the city seem to be Irving, especially Las Colinas area, northwest Dallas, Farmers Branch, and Carrollton. 

If you're focusing on rural properties, sometimes local community banks or credit unions are open to these types of deals.

3️⃣ Too-Good-to-Be-True Terms – 100% financing, super low rates, no credit check… is this ever real?

Unfortunately, this reassessment is unavoidable, so you’ll need to evaluate whether transferring the property is worth the potential tax increase.If a Transfer Is Not Feasible:If the potential property tax increase makes the transfer impractical, an alternative option is for your father-in-law to secure a Home Equity Line of Credit (HELOC) on the property.

It's just a bad business.

That's not the same as paying cash.According to a different post, your credit card debt costs you $600/month.

For financing, shop around with local banks, credit unions, and mortgage brokers to secure favorable terms.

Got an equity line of credit and borrowed from it to pay cash for the property.

Those that tend to have a bad experience, is typically tied to poor Sponsor selection or offering selection.