If they want it, they need to start paying rent, utilities, and other costs.

Typically, to qualify for loans when contract or self employed, you need two years of tax returns for a typical loan.

Typically I will use a FL land trust to a FL LLC that is held by a WY LLC for anonymity. 

If it is simply the house and the tenant pays all the utilities, I personally would not charge more because you are renting them the house-not based on how many people are living there. 

Those deals are typically in the multi-million range and the loans are typically non-recourse which changes the profit at a lower percentage and it changes the risk as being non-recourse.

For example, a $1 million policy could have an initial commission of $50,000 to $100,000, significantly impacting the policy's cash value in the early years.Limited Access to Capital: Accessing the cash value requires taking out a policy loan, which accrues interest, typically at a rate of 5-8%.

And if income passes into the holding LLC, what is the best practice for pulling that cash out to utilize for other purposes while preserving the veil and not commingling.  

My accountant does not typically deal with real estate investors, so she does not have a standard spreadsheet available.

Typically for real estate deals you can only sue for actual damages, you cannot sue for emotional distress.

You can typically get an investment property loan for these putting down 20-25% with a duplex cost of $400-450k.