Refinance off Title Question

[Pete Jimenez]

Hello, I have a question regarding being on title of a multifamily.

My mom is purchasing a 4 plex under her name and she will be putting me on title only. She is getting an FHA loan and living in one of the units as her primary residence. After 1 year, is it possible to refinance the house into my name only and take her off the loan?

Or do I have to purchase the house from her the traditional way and give a down payment and pay closing cost and all other fees involved. 

Again, I will be on title only for now and not on the mortgage. But 1 or 2 years down the road I would like to refinance the house into my name on a conventional loan and take my mom off completely. I'm not sure if I would have to give a down payment in doing so. 

Any help would be great as I have heard different answers. Thank you for your replies!