Help! Easiest way to transfer ownership of my Mom's Home

[Sophia Berry]

Hello all,

I wanted to refinance my mothers home in my name however, apparently according to my conventional lender, she would have to sell the property to me and I would have to complete the transaction as a purchase. That won't work because I would have to have 15% in reserves.  My plan is to use the equity and purchase investment properties. The balance on the home is 72K however the home is now worth 425K.  The property is located in California.  Any advise needed I am just trying to figure out the easiest way.

Thanks.