If you have it in writing that they left, double check all utilities are paid for and transfer them to your name. 

Their interest rates will be higher and they collect origination fees so the purchase price of the property is key and determining your ARV. 

$75k is best used for another house hack that way get a better rate and lower down payment meaning can put some of the money in rehab.

Currently, I'm only offered 27 hours of work per week at an average/below-average pay rate, which isn't nearly enough to save for a down payment or qualify for a loan.I've tried selling belongings to generate extra income, but it's not sustainable in the long run.

.- Only allows Rate/Term but we could add a HELOC on top of it to access cash in this instance up to 95% CLTV.Long story short, there are ways but you'd have to get creative and be over 62. 

Other option would be subject to where the mortgage doesn't actually transfer into your name but you make the payments.

Let us discuss how to finance properties if you don't have a W-2 job, what are you all doing in this high-interest rate environment, what are the benefits of single family housing verses multi-family, vs self-storage. 

You can also get a lower rate on a 30 year fixed and even though its a 30 year loan there is No prepayment penalty so you can pay as much as you want but not obligated to pay more.A Heloc is a credit risk and can "never" be used as an asset or PITI reserve which is required when buying additional properties.

I'm a little concerned with the current high interest rates and property taxes (Texas).  

@James Lauer If the STR strategy is the only strategy that makes the property pencil, be sure to purchase in a market where (1) the use is allowed, (2) the use requirements are protected by in place permitting and licensing and (3) the permissions are transferable through a sale.