It seems there’s a common misconception largely influenced by social media, online courses, and influencers who oversimplify the process that real estate is an easy, passive way to generate income with minimal effort.

I never used a tax pro because extensions are so common. 

There are some lenders who specialize in these types of loans.  

This is extremely common in Detroit area.  

The tenant in common nature of the ownership would tell me that you would only be related to your mother in laws portion at the most. 

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

This has led to what’s commonly called “interest rate jail,” where homeowners are reluctant to trade their low rates for higher ones in today’s market.

Though my response might help others, common courtesy suggests you thank those who took the time to answer you.

Your question is a very common question, and I can appreciate your concern here.

However, there may be a commonly expected way of handling it in your area.