@Steve Meyers I’ve been running this with some success with a local cincinnati agent on 2+ units and nationally with a commercial broker for shopping centers.

Your local laws are going to prevail.

If I were in your and/or your mother-in-laws shoes, I would go to a local bank and use the free and clear house to secure a $150K+ line of credit. 

Does your local jurisdiction require you to return those fees if they were not screened? 

@Paul Whitney Detroit property values increased over 20% in 2024:https://detroitmi.gov/news/detroit-home-values-increased-ave...https://www.cbsnews.com/detroit/news/detroit-home-prices-amo...https://www.detroitnews.com/story/news/local/detroit-city/20...DM us if you'd like more info...

I would echo this, it is a great REIA and the best place to find local, like-minded individuals and resources. 

You might want to find local rei meetups to meet people in your market that are doing deals. 

But they are usually a bit expensive I believe.I would also go to your local REIA and ask around there.

@Jennie Berger gave you the whole kit & caboodle on Chicago zoning so I don't have a ton to ad, however, I'd highly encourage you to engage an architect like @Samuel Pavlovcik or @Prashanth Mahakali, both are awesome local Chicago resources.

    - Criminal, eviction, employment and background check- No guarantor outside of householdThanks in advance for answersGross income should be 3x rent, or whatever your locality allows, with the section 8 counted towards that income.