It occurred to me that rather than have my daughter and I each co-sign a mortgage, it might make more sense for me to buy the property and rent to my daughter.

@Jose Saladin you will likely not get a CO (certificate of occupancy) to be able to legally rent this out.

On the co-living - we do a lot of co-living / padsplit deals on our team and are very well versed when it comes to advising on the strategy in the Atlanta metro.

A solid mid size local company tend to have tools and scale without the downsides.Good luck!

I recently seperated from active duty went guard and my partner who is active duty and I are trying to combine our VA entitlements as we did previously and co-signed on our previous loan.

Be mindful that the nicer areas in AA Co have particular neighbors so follow occupancy rules. 

States which DO NOT require licensing for originating or negotiating a loan secured by commercial real estate nor a loan secured by non owner occupied residential real estateALASKA ARKANSAS COLORADO CONNECTICUT DCDELAWARE FLORIDA GEORGIAHAWAIIIOWAINDIANAKANSAS KENTUCKY INDIANAKANSAS LOUISIANAMASSMARYLAND MAINEMISSOURI MISSISSIPPI MONTANANORTH CAROLINA NEBRASKANEW HAMPSHIRE NEW MEXICO OHIOOKLAHOMA PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA TENNESSEE TEXAS WASHINGTON WISCONSINWEST VIRGINIAStates which DO NOT require licensing for originating or negotiating a loan secured by commercial real estate but DO require licensing for a loan secured by non owner occupied residential real estateIDAHO MINNESOTA OREGON UTAH VIRGINIA States that DO require licensing for both residential and commercial real estate loan origination and brokeringARIZONACALIFORNIAILLINOIS MICHIGANNEW YORK NORTH DAKOTA NEW JERSEY NEVADASOUTH DAKOTA Does this still hold true for 2025? 

•If you qualify, you could use FHA’s 3.5% down payment to acquire a duplex or co-living property, live in one unit, and rent out the rest.

With a co-signer and a 20% down payment I'm thinking about buying a $300 - $400,000 home or condo and house hacking it. 

My mother originally agreed for me to refi some money out of the equity of a house we co own but then she changed my mind after I signed the contract on the guesthouse.