This program is specifically designed to help finance the construction, acquisition, or rehabilitation of rental properties with multiple units.To qualify for a USDA multifamily loan, the property must meet certain eligibility requirements.

I'm wondering though, if I market them as lease option/rent to own, will a PM show the property, handle paperwork including the option contract and then manage the property or does that require a real estate agent?

or if LENDER B's approval and CTC are required to match the price?

Also, the transfer of title would insure costs, and you would need to make sure the due-on-sales clause would not be an issue.If you decide to proceed with the business purpose financing, lenders will generally require credits from all three of you given the shares of the LLC is 1/3 of the company each.

No requirements to purchase.Not understanding your math - generating only $1900 renting out by room, but $2800 for whole house?

Attorneys ensure proper disclosures are given and state requirements are met.  

@Andrew Postell, I pulled it off the GRM site, which may not have updated ratios: "DSCR loans require borrowers to meet a minimum DSCR threshold, typically around 1.25...." https://www.rate.com/resources/what-are-non-qm-loansI spoke with a loan officer who said it may be lower now to reflect the market, so you may be right, but I am awaiting the approval and don't have the final ratio. 

I could fill you in, but Bigger Pockets requires you "connect" by clicking on my name in order to do that. 

However, financial freedom is not simply replacing your current income; it requires maintaining your current lifestyle for life.

There's low barrier to entry in terms of effort required to purchase stock and naturally more people are going to do it.