Questions for an 18 year older real estate investor

[Antonio Estrada]

My biggest obstacle is financing a purchase on a property I want to use for a house hack. Problem is, lenders, do not want to lend to me because I have only been working since November 2020 (My credit score is 719 and I have literally no debt, which I'm not sure is good or bad). I'm looking into hard money loans, however, I want to see what other options I have. A question I have is if I partner up with my mother (we have an extremely strong relationship and she is 100% willing to lend to me as long as I put in the work) can she apply for an FHA loan, use the money from the HELOC to pay the down payment, closing costs, and minor rehab costs while I live in the property under my name? Or it doesn't work like that? This might be an extremely dumb question, but I don't care. If this isn't possible, what other options do I have to buy a house hack? Lastly, if all of what I asked is just nonsense, I have another idea. I know Freddie Mac offers a loan program called Home Possible, and I want to know if they also want two years of steady job history in order to qualify for the loan. Thank you so much for the help!

: