These are hard questions with no right answer.

Sometimes, you need to remove the gas line and stove, but many towns are ok with owner-occupany in the boarder.Let me know if have you any questions and when you are looking, look for uneven layouts to cash flow more to start.

We have a whole group of people that do creative financing, STR, etc that would be great to answer these questions for you. 

My first question is why can’t they qualify for a better loan now, such as DSCR or even a HELOC?

Quote from @Mubarak Basha:Software is a common question on BiggerPockets.

I didnt see the builder part of the question the first time around.

If the answer to any or all of these questions is no, or you are unsure, then I would avoid the hassle (and future maintenance) of adding them.Another con to consider is added liability.

I guess my question is, even if she has a disability does that matter?

The question isn't about investing in real estate. 

Question is if you are renovating now might be the best time to do it.