Whatever you do, I would use a shared approach to covering the added cost to keep the tenant on board with the idea that she is responsible for reporting any problems to you as quickly as they come up.

Find property reports, parcel maps, comps, deed access, and more.

When I review financials its very telling if the borrower knows what they are doing its like your report card as Kyiosaki would say.

Giving the market a completed package including: a dialed home including light professional staging, great listing photos, creatively written MLS listing, updated termite report and clearance, home inspection report, adding the listing to brokers caravan, circulating a marketing brochure, and setting open houses every weekend until an offer is accepted; we do these steps on every listing.

Engineer reports.

Get on the phone and call up some local agents or appraisers or have some reports (CMA, BPO or Appraisals) done to get you value nailed down.

My mom lives in the back and I haven't reported her payment as rent because up until last year when I refinanced we owned the property together.

The reporting code is not the same.

The loan-mod reporting on credit is the only cloud.Are there any options aside from private money to obtain this kind of financing?

Did anyone read the Crabtree report yet?