Is that sufficient to say she does not live in the property and she is subletting the property to other people? 

We help investors to fund their deals, and making sure they have sufficient runway to qualify for multiple deals.

One advantage you'll have over people doing a regular FHA purchase loan (non 203k FHA rehab loan) is that when you go towards purchasing a 3-4 unit property and have to deal with " FHA Self Sufficiency," Rule you'll be able to use future market rents that are appraised on with after repair rents (way higher than your acquisition rents probably).This makes it easier to make your FHA loan qualify especially if you buy a good deal that has big rental income upside (your proforma future rents are way higher than your acquisition entry rents).FHA SS rule is required to qualify a FHA loan when its a 3-4 unit property, this doesnt apply to 1-2 unit FHA loans.Even on 203k FHA loans you'll need to meet FHA SS rules (3-4 unit applies to).

We help investors to fund their deals, and making sure they have sufficient runway to qualify for multiple deals.

Secondly, DSCR loans offer favorable terms and lower risks, as they assess the property's ability to generate sufficient income to cover debt obligations.

Based on your scenario I dont see why you would not qualify to use FHA since it doesn't appear you already have an FHA loan so the self sufficiency doesn't apply amongst others.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

And that's why the low risk markets have sufficiently higher IRRs, internal rate of return.

Housing for workers or even Airbnbs could be less lucrative but have less overhead because the tenants are self-sufficient.

You just need to hire sufficient help to retake possession, e.g. movers, locksmith, etc.Good luck.