Although of course to get the LOC's its full doc financials etc.But for you lending your own dough this is not something I would even remotely consider personally. 

The studio has large windows on both sides of the unit so i do not want to loose any of that natural light, and I am thinking of eitherA - Doing a full glass partition wall with glass door, with smart glass that can frost to create privacy when in use and allow sunlight when not in use to both sides of the apartmentorB - Doing a higher end full wall foldable partition on a track that closes the whole new "room" into a bedroom but can close back up and fold away to make it a studio again if not in use.Thanks for your input

there are some 85% CLTV products out there for full doc and bank statement loans 

Ideally the payments and collection have been administered by a third party title company (part of original agreement) and they will have a full 12-24 month payment history.

The house is a 3/2 with a full unfinished basement, upstairs is about 1900 only 4 years old.

I think your final full paragraph is right on the money. 

I have paid for an eviction service (https://www.texaseviction.com/).

Some will even allow AirDNA projections (usually with 25-30% down) as the rental income for DSCR (debt service coverage ratio)  for investment properties as qualifying income. 

I hope you like smokers, because they all smoke like chimneys and have no regard for flicking butts on your property....eventually my parents went on a trip and of course the sober house people had a perfect view of them loading up their luggage, and what ya know after 25 years of not a single crime...they were burglarized, by a homeless junky ******* that was friends of one of the residents or was a previous resident....The sober house operators were ******** and not cooperative....their are more than a few of their patients were loud obnoxious gang banger types, giving the hard stares and intimidation types of attitude.Lastly.... on more a general note... the affordable health care act made some seriously horrible changes to the way insurance can deal with addictions....it used to be that their was a limit to how many sober claims a patient could make, and then the insurance company turned off the tap....now, a patient can relapse as much as they want and the insurance has to allow them back into another sober program...it essentially incentivizes the sober programs to fail, because it assures them a steady flow of repeat customers.Lastly, I found the few sober house operators that I came into contact with, during this time, to be vile phony insurance fraudsters and street urchins, acting like their title made them actual healthcare providers.Just my 2c...and sincerest apologies to the 10%(if that) of the industry that are a really providing a quality and ethical service.

I've looked into Guesty (which seems too expensive for what I hear to be awful customer service), Hostaway, Owner Rez, and Lodgify.