Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score.  Want to get a loan for $250k in AZ

Just depends on the situation/scenario.

The lender did everything wrong in this situation and now are paying for it.Now they are trying to sell the loan at a slight discount (oh did I say its a 0% interest loan and they jacked up the UPB of the loan instead of adding interest) - again another rookie mistake. 

When we got engaged, my wife didn't want roommates but was willing to do a two unit situation.2.

I think I'm in a pretty unique situation and am trying to figure out the right hoops to jump through to move forward.Long story short, I'm trying to tap into the equity of the rental property passed down from my grandparents that is held in an S-corp which is co-owned by myself, my siblings, our cousins, and an idiot uncle.

LTRs do not face those types of situations. 

For my personal situation it wasn't worth it.

I was hoping some folks might be in a similar situation or had a similar experience and might be able to share. 

Most will work hard when they are doing the capital call (a few of my deals did that) but some actually called to discuss the situation.

That being said, this depends on your overall financial situation.