However, my lender said that I cannot use an FHA loan because the building is comprised of 4 individually zoned town homes, meaning they can be sold individually.

Ultimately, if you are looking at purchasing more properties I would recommend looking into the Series LLC, as you only have to publicly file the "parent" Series LLC and then you can create an unlimited number of "child" series under it - each offering the liability separation of individual LLCs when operated correctly. 

Solo 401k are for self employed individuals so it won’t work when she is an employee of the business

I did reach out to Cozy and their response was more along the lines that once the tenant initiated they would have to return the funds to tenants bank but advised that our individual lease agreement should speak to this as chances are the landlord would have to pursue legal channels to recover money justly owed. 

Are you talking MF properties (multi-family ) or individual condos ?

The individual I am referring to contacted me via telephone, if that makes any difference. 

The individual I am referring to contacted me via telephone, if that makes any difference. 

Our policy is agents are not allowed to show houses to anyone they haven't already met and texted us a picture ID of the individual.

We don't really have enough demand to warrant a skip trace membership, unless there is a reliable site that allows you to pay per inquiry-  Any ideas appreciated!

In addition to the above commentors, If this does become a serious issue, there is one advantage, housing prices will decrease as demand decreases (and therefore supply increases).