Hi Chad,I know a lot of investors that have a similar background to you that do the majority of the work themselves.

And that they'd be required to furnish the home and they'd be responsible for all repairs as well.Then technically they would not be a renter so you wouldn't have to evict them and then you might be ok.

I built an ADU where the front house was technically a Triplex and back house was an ADU but the ADU couldn't be more than X% of the total area of the main house. 

You'll be required to keep some equity in the property, and the amount depends on the lender/program.It's not TECHNICALLY a cash out refinance, it's called delayed financing. 

But it really gets serious with how you handle showings, your application, how you conduct tenant screening, credit / background checks and your communication style throughout all of this.

. - Two single family homes in a community reinvestment act, therefore only require 3% down, get 1% of rate, and receive $6,000 towards closing costs.In order to receive these extremely low down payments, i would have to technically live in the residence for a few months as they do not offer these for investment properties. 

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

Did the lender find out through a personal background check? 

With your impressive background in residential construction and 20 years in the trades, you’ve already got a solid foundation to transition into real estate investing.

Ask for the woman's tax return to see if she claims child support/alimony etc because technically that is also part of income.