Typically, if the property is a single family home up to a 4plex, and you are borrowing from a bank, they want a PERSON accountable for the mortgage versus an entity.  

First off, one of the main reasons that I have people tell me that they don’t qualify for the mortgage right away after the rehab has been done, is because most banks/lenders are hitting the borrower with the full PITI payment, but not crediting the rental income to offset their debt-to-income ratios.

If there's a qualification issue with the property or the borrower - that's something else. 

I am looking to sell my rental home to buy another rental but i retired and my income is limited so i don’t qualify to the same amount of the price of the sell, I can add my daughter in law to the mortgage but then sh...

RISK  reasons.. more defaults with out of area borrowers. its only been the last 5  or 6 years that they kind of looked the other way on that stip.. but now it appears its coming back.

My rule borrowed from a friend is, "The land lord is in charge.  

Right, mortgages are some of the least expensive money you'll ever be able to borrow so the opportunity cost of paying them off turns out to be very significant.

The evidence of in debt ness is evidenced by a promissory note with you as the borrower and the lender as lender.

Number two FHA loans are not very desireable by sellers; they'd rather sell to someone with a conventional loan - or of course cash.Depending on the property your best bet might be a low down conventional loan (5% down) and then fund the remodel after the purchase either through hard money, family money or you can borrow from your own 401k for example!

What do Borrowers need to know. a.