However, the mortgage is not a commercial product and thus requires our personal names be on the title of the acquisition property. 

The days of "my word are my bond" are long gone, particularly in larger communities where other agents don't know you personally.

I cant seem to make them understand that I am looking for people who just owe back taxes but still own the property.

Time to be responsible for your life and make your own decisions.Doing a local BRRRR is challenging.  

The property is owned in an LLC, but it's a SMLLC, so it's filed on my personal return.

I'm about to purchase a property for a short term rental and trying to figure out whether to hold the property in a newly formed LLC, trust or in my personal name. 

Mix of hard money and cash personal funds How did you add value to the deal?

My mortgage would go up $781 for the next 30years,  the ADU income would more than cover & I hope to pay extra principal to cut my loan time -it's just I was hoping to pay off ADU within 5.5yrs- so that I can collect 'all' ADU income at that point <I'm fixed income & I lose 'some' personal income in 5yrs so trying to plan ahead on how to recoup that>.

(option B)My biggest question is not able to decide between option A vs option B.If i go with option A tenants can manage that area well using their own landscapers every once in 2 weeks like that.

As a financial planner, I generally recommend clients build up a personal emergency reserve before investing.