These costs eat up the profit margin for the lender when they have to sell the property, so, as @Danté Belmonte pointed out, these deals are often not worth the time spent or the risk involved from the lender's point of view.Here are some additional places that you can look to find lenders that may be able to help assist you (forgive me if you've already tried some or all of these);- The ‘Network’ tab on BiggerPockets has a hard money lenders tab, and you can search by state.- Local meetups- Speaking with local realtors- Speaking with title companiesAdditionally, speaking with investors who focus on lower-value properties can be helpful.

An oral contract for the sale of real estate?

Don't worry about every minute detail, you cannot be paralyzed by the fear of the unknown or all the possibilities of every situation that may happen. 

Unfair as it seems, the crazy party that one roommate threw can result in a termination notice directed to all tenants.In Legal Terms:“Joint and several liability” is where two or more persons are liable in respect of the same liability.Under joint and several liability or all sums, a claimant may pursue an obligation against any one party as if they were jointly liable and it becomes the responsibility of the defendants to sort out their respective proportions of liability and payment.This means that if the claimant pursues one defendant and receives payment, that defendant must then pursue the other obligors for a contribution to their share of the liability.This obligation is normally spelled out in a lease clause, in leases which are signed by two or more tenants.

Over time, you can gift out a portion, or all of the property to her. 

If you want to clear your conscious donate a portion or all of it.

Careful, most or all of these mentioned will experience little to no appreciation.

You still get to screen the tenants its just HUD/ section 8 is footing the bill for some or all of the rent, and you have to follow their guidelines for that. 

This is not to sale "all sales people are terrible people" or "all sales people are idiots" but sales attracts a certain personality type with the same common flaw.

I believe Airbnb is automatically collecting taxes for Airbnbs for some or all locations.