Bank would want 20% down (200k) and the State on board prior to releasing funds for buildout.

When was the last time a bank offered 0% financing that could be transferred to another property?

Some banks may lend as a HELOC on the rental property, or refinance it, but you're right you'd have to get your mom on board for that. 

But then again every lender that is not my commercial banks I find frustrating. :)..

The type who will ignore great advice and fail then the blame society, the govt and the media..

You need to look into local community banks and speak with their commercial lenders.

If REIPro isn’t cutting it for your skip tracing, give Prime Tracers a shot—it’s been super reliable for connecting with the right contacts without breaking the bank.

Bank as much money as you can between now and purchase date.#4. 

I need a suggestion here to handle maintenance and cleaningTURNO for automated cleaner payment and scheduling along with inventory trackingQuickbooks / Bookkeeper to keep my PM business in alignmentChase bank & trust accountI'd like a better method for managing linens (bulk order) and distribution.I'd love to compare property management / cohosting agreements with someone to share best practices. 

Quote from @Jamie Banks: @Jordan Alexander I'm taking a creative financing course now and I'm learning that a lot of investors pay the mortgage that they acquired after the sub2 deal closed from a servicing account.