Any recommendations for investor-friendly lenders (HML or DSCR) in Houston that have handled seller credit situations?  

Quote from @Franklin Marquette:I own a property with some friends as tenants in common. 

A new user probably would not know that until…..Some posters try not to get into debates and other posters gravitate to them like a moth to the fire.

I have several friends that do it and many OOS investors interested in it. 

If you treat it as a rental, you give up the homestead break but you gain depreciation, expense deductions, and the ability to show rental losses that might offset other income depending on your situation.Since your child is living there, many parents keep it under the homestead rules for the tax savings and simplicity, especially if the rent from friends just helps cover expenses.

I'm a big believer that house hacking a multi with a conventional loan is the best way to start, so I'd be finding an investor friendly agent who you click with, talking to a lender and seeing what you can do within your abilities and relative comfort level. 

Are NJ and PA landlord friendly or tenant friendly?

I have a 260 unit complex in Saratoga NY value 120m I'm looking for a vehicle that gets me to a time when I think rates will be more borrower friendly to go agency loan any suggestions 

@Todd MacDonald how likely is your relationship with the "ex" to stay friendly or will it deteriorate more over time?

Also, learned a hard lesson years ago during a showing when an applicant was speaking to their friend and wasn't sure how interested they were in the home.