Hmm, the only way I could think of is, you transfer the rental in an LLC and apply for a 5% conventional loan as primary, with that said, the calculations above still true to your borrowing capacity. 40% of gross income less monthly recurring.

We also execute a transfer of security deposit between the departing and incoming housemate to change the name registered with the Rentalsman.  

Yes. 1000s of people transfer properties to LLCs.

(e) This section does not apply to money collected as child support that:(1) is being held for disbursement by the state disbursement unit under Chapter 234, Family Code, or a local registry, as defined by Section 101.018, Family Code, pending identification and location of the person to whom the money is owed; or(2) has been disbursed by the state disbursement unit under Chapter 234, Family Code, by electronic funds transfer into a child support debit card account established for an individual under Section 234.010, Family Code, but not activated by the individual.

I'd imagine that was what through was going through my dad's head when we were rebuilding a fence (I held the can of nails) in 105 degree summer heat.His motivation can't be mine, mine can't be yours, I don't think you can transfer your motivation authentically to someone else.

Would the estate be subject to federal transfer tax?

The tenants have to either mail a cashier's check or money order to my PO box, deposit cash in the account or do a transfer if they use the same bank. 

If you purchase under your name with a mortgage, and then transfer the assets, you may get a due on sale demand.

I’d have an expert, like Dion DePaoli look over the file first, for $300-500, and an opinion on how the transfer should occur.

Can you give me some insight into the licensing and transfer concerns I should be aware of.