@Oliver Martinez you could have used the "@name" format to include everyone you wanted to reach out to on a single response, instead of entering 6 copies of the same message:)Unless you plan to live in the property (owner-occupied) you will typically need at least 20-25% down to get a mortgage - unless you find a private investor to fund your acquisition.Also, as you've found, most of these lenders have minimum loan amounts of $75k-$100k.Unless you are a VERY experienced investor, we don't recommend buying rentals in the City of Detroit under $80k.

I can't say I am worried he is going to destroy the property as he does not seem angry with the situation however I am curious what those with more experience my offer in advice. 

Have any of you encountered similar situations in your real estate investing journey?

I am just reaching out to see if someone more experienced would be willing to give me advice about if they think my plan is the best course of action for me and/or what they would do in my situation as for next steps after it has been implemented.

I plan on using DSCR loan and have a pre-approval.

Question: What is the interplay between "best of both worlds" situation above (abnb short term rentals not being rental activity, non-passive and able to offset W2 income if materially participate), and the 14 day/10% personal use test?

My mom has one home in SC that she lives in and another home in GA in which i live inside of. she wants to get a loan from the condo in GA in which she has 150k in equity.

We have interest only loans on all 4 properties.

Non-owner occupant loans are typically Fannie/Freddie loans on properties 1-4 units, property titled in your name, you are signing the loan with verification of YOUR income and financial status.  

Since we are hard money lenders most of our loan requests come from commercial mortgage brokers.