If the other two can qualify financially without her, that's easy - just make her an authorized resident but not financially responsible.

I’m wanting to get financial freedom through real estate investing so I can spend more time with family.

We would not want to get into a long term relationship with the new buyer as it would need to be a whole new loan qualifiction.

@Mark ShubinHouse hacking means buying a place and living in one part while renting out the rest to pay for the loan.

I am not a financial advisor this is not a financial advice.

Are there any other options that I may have overlooked that make more sense from a financial and tax planning standpoint?

Likely 5-8 companies that UW loans in this market. 

So here is a partial list of people who might be more inclined to listen to your offer of a cash discount, or some type of vendor financing:Financially Distressed HomeownersThese are people who may be facing financial hardships such as foreclosure or debt.

I’m a lender in Roseville, California but I can help with investment loans in any state (e.g., DSCR, fix and flips, bridge loans).

The reason for this mainly of because I can get a bigger loan on the house we have just built, than taking a ground up new construction loan on the rental we are wanting to build next door as well as my experience with ground up loans is zero -