Am not licensed and considering  trying to to "For Sale By Owner" route.

That being said, I would hesitate to to build a portfolio of 20/40/80+ homes there if the property taxes are going to eat tens of thousands out of my bottom line relative to a better-suited state.

Out of the banks in my area I'm researching I found this one https://www.fremontbank.com/ I will add to to the top of my list for banks to call on Monday.

And it can be done for flips (fast cash) too.I use “Subject To” to buy houses I can cash flow.

Who would I turn to to figure out a rough cost of making this a legitimate fourplex?

Here's how you want to structure the loan and what you tell the lender from what I can tell.You want no seasoning on downpayment, only sourceYou want to have the loan done in an entity, but you need your father in law to be a very minority partner in the transaction (5% max) with no signing authority.Not sure if you need to go no income verification because I don't know if you have 24 months self employment or not, but if your father in law is greater than 5% and he isn't self employed, you may not qualify.You will not get this loan through with a bank.Stephanie

If she's not on the lease, she's technically a "Guest" which some landlords have issues with long-term guests, so you could ask for screening verification based on that if it's in your lease. 

They do this to keep people from playing games and sweeping the account post closing after saying they will keep money there.The reality is instead of playing games just tell the bank what you will and will not accept and if they can't deal with it take your business elsewhere.My bank close to to me if for convenience but they might not have the best commercial loans so I reserve the right to go elsewhere  for certain things where it is to my advantage.Again if they are wanting all the business they better be giving up something amazing in return for that perk.

@David Weintraub I would say if she is more than 30 days late you will probably need to go non prime because the underwriter is still going to want to see the verification of mortgage.  

She did an emergency injunction the morning of our foreclosure, saying that the guy I loaned the money to illegally used trust fund money that she had a right to to purchase the house, and I was a aware of it and party to the fraud.