I do believe your FICO must be a 580 or greater, and sufficient debt to income.

Prefab ADUs come in around $100k but I'm hesitant to take on a lot more debt.

It is this loan that provides you liquidity, and unlike a 1031 exchange, there are no rules on the timing of subsequent purchase, nor do you have to apply all the cash to the replacement property or maintain at least as much debt on it as you had on the relinquished property.

Little houses, especially with debt, nah. 

They want debt relief.Where is this property located?

Also from non collateralized debt to collateralized debt. 

I see unexplainable debts (possible amounts owed to prior landlords) and late utilities as bad, but the rest is just the poor personal fiannce habits or life circumstances that make applicants renters rather than owners.- Having roots in the community, normally having lived in that neighborhood for several years, or in this case being close to her parents adds screening points.

Since I have that debt and hold the only income for my family, I currently don’t make enough to carry two mortgages till those are paid off.

that is also my only debt. i still live at home & single. 

Get the house in it's final condition then release possession to them.