@Wendy Lavana  If you denied them based on information contained in a consumer report, then you must provide the applicant with an Adverse Action notice (not the actual background report).  

SHe's very risk adverse and doesn't want to do the stock market.

I have always been very risk adverse with finances and something clicked in 2019 to start branching out and exploring other possibilities, so here I am. 

Mere possession and use of the property as though it were your own can eventually give you clear title via the laws of adverse possession.To obtain possession from the daughter you've talked to, is as simple as having her sign (and notarize) a one page Quit Claim Deed by which she grants all of her interest in the property (if any) to you. 

The detainer filing will cause a snowball of grief on them and unless they can prove to a judges satisfaction that they have rights to adverse possession, they may be arrested for criminal trespassing (penal code 602 PC) as they are removed. 

Get a local attorney familiar with this type of adverse possession.

Each credit pull tends to adversely effect your credit score with reporting agencies. 

All Borrower should get something in writing from the servicer indicating that their will be no adverse reporting whatsoever.The next few months will certainly get interesting

History aside, I would expect lenders to be rather risk adverse and more than hesitant to lend to folks who are substantially leveraged in the present environment. 

Retail, hospitality, small multifamily, shopping centers, all of these sectors will be adversely affected to varying degrees.