House hack with additional funding from parents, credit cards, etc. 

Hello,A credit union is probably your best bet.I too have a non-warrantable condo in Metro Atlanta and did a cash out refi 2 years ago at 80% @ 4.25 rate. 

Even the local little banks and credit unions.

I have found one major bank that will give us a HELOC on a rental and called ~30 other banks/credit unions in Atlanta, Georgia and none of them would offer the HELOC unless it is a primary residence.

To add on to the last post, also make sure the seller brings (or credits) you with the security deposit(s) and any pro-rated rent for the current month that you close.Regarding lead, I'm not sure about your state, but in MD, rentals must have lead certificates.

Can I list the higher rent but then agree to a monthly credit for her managing the property or is it easier to have her manage building for free in exchange for rent?

You really need tenants with nice furniture that live clean and are very cooperative.

However, after running the credit checks we found out that our credit scores are about 100 points different.

@Tony Mai Have you tried credit unions?

Our primary house is a fixer upper that I have been fixing little by little myself and over time that run into 25k credit card debt.