The bike I recently purchased was advertised as "full rack and fender braze on"....but there is only one mounting hole on the dropout. The bike I have is a disk brake model and required the "L" shaped mounting bracket. I was able to use a longer screw to mount both in the same hole, but am starting to see some bending of the bolts.

The only solution I can think of, and I haven't checked that I actually have clearance to be able to do, is to relocate the fender mount to the inside (rim side) of the frame with a nut to hold it onto a longer bolt.

I didn't know if there is some manufacturer out there making some novel solution to the issue?