Most lenders require proof of someone else paying the note for around 9-12 months so that the debt isn't counted in their DTI calculation.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

But many people need to consider if they are financially ready for it or not.

Prioritize your financial stability.

Any guidance is appreciated and I know it's not tax nor financial advice, just your thoughts.

Even if a title company were to manage the setup making sure all parties are paid, the cheap debt and cash flow would not be enough to be enticing to any investor even if midterm rental could yield a healthy return. 

I originally wanted to do a quad but financially I know I can’t fund a project that large, unfortunately.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

We have no debt and good credit scores, do we have any options for making this work?

A financial calculator and legal pad might work in the hands of someone who knows what they are doing, but that doesn't mean it's the best way to do it.