The process is still much the same as getting any other kind of financing on a regular home or foreclosure.

Naturally my DTI is high, however my only debt is our primary residence mortgage I have had since 2020.

I'm also confused by the nature of your charity.

They sound like regular conversations where the RE professional/investor is genuinely interested in discovering the seller's pain points to help find a solution.All the best!

Due to the nature of the STR property criteria in Cape Coral, it's very rare that a STR could be converted to a successful LTR.

I had a conversation with a Probate/Estate lawyer and he suggested the following but what he said doesn't quite add up to what I have read so I want to see if I am just not understanding or if I am getting bad gouge.Advice was to create WY LLC that owns all properties, that is then "owned" by a land trust for additional anonymity, that the beneficiary is a regular Trust that owns everything else in my name.

I always go with section 8 tenants if I can over regular paying but dont let the sec 8 gurus tell you that everything is always peachy.

And natural wood interior walls for that cabin feel.. can you post a link to what you recommend a  cabin should look like I am just curious . 

Main goal is to listen... then follow-up regularly.

Everything has been cash so far but I have contacted several local banks and all of them have said about 1-2%+ above regular mortgage rates, 3-5y ARM with 15-25y term, and 20-30% down.