There is ONE takeaway from my post.STOP feeding each other or propagating the idea that you need to cold call, bandit sign, DMM, SMS, or use lists, to get deals. 

I was not able to buy a duplex, triplex, or quadruplex since the mortgage would've been more expensive, but it was my first idea. 

@Andrew Postell Great idea. 

I want to exhaust all of my options so coming here for ideas?

My post isn't meant to argue your idea, but more to contribute additional thoughts to the discussion.Thanks for the response and the discussion.

I am intrigued by the idea of potentially house hacking a duplex or quad somewhere in Austin and turning my current primary residence into a rental, knowing that it wouldn't be a cash flow play, but more of an appreciation play.

Whether or not this is a good idea for you really depends on your wealth building goals.

I'm exploring the idea of turning a 6 bedroom into an 8 bedroom and am curious if there are any restrictions preventing me from doing this?

A co-signer would have been a good idea and I will keep in mind for the future!

Depending on how you set them up, they may not be able to force a sale, but they might get a charging order against any distributions, which basically tanks your mom's retirement plan.Two other ideas for you:1) See if the DSCR loans would be enough to get her out of debt.