If you take a loan to pay for your mother-in-law you are taking on that debt in your name.

For example a 25 y o applicant who has used credit minimally and has an unpaid bill of $50 in collections from when they switched phone carriers may have a low score, but the only negative on their credit is this one SMALL $50 debt.

Once I work with will even go to 90CLTV, but they lend on very strict asset classes.Another family office I work with lends debt based on SBLOC. 

So far mostly people are telling me I'm probably stuck until their lease is over. meanwhile I also need to pay down my debt and improve credit score. 

In my case I sold off appreciated properties in a location I deemed as having limited future upside, and used the proceeds to eliminate all debt on the better located prime properties I wanted to keep long term.

And if they are in low value markets maybe they have zero debt..

I have had encroachments in the past and resolved them with easements and no adverse possession claims.

OR refi one at 70% and get the 45k loan leaving some debt on the line of credit but keeping home 3 free and clear and adding a lot of value to it as well as getting some really good rental income from it.

If you want the least amount of paperwork, you could consider refinancing into a debt service loan.

They also want a priority lien on the property.It sounds like you are looking for someone to fund your down payment, I would be looking for an equity partner over debt as nobody likes to lend money in insecure positions, especially when a borrower lacks skin in the game.How much are you planning to come in with yourself?