I'm by no means a borrowing/lending expert (I go years without borrowing from banks at all), but I have a couple thoughts on your plan.It's admirable you want to help your mom.

@Sabrina Brown Quite an admirable approach and nice to see you turn your situation into a positive.

Being able to double your rehab time and still make a profit is admirable.

I read some of your posts, and admire your hustle.

I admire Ryan's vision for the future and his company.  

I admire the detail he put into his response and hope you get as much value out of it as I did.

Doing a 5+ unit deal as your first is pretty admirable; interested to know how challenging the financing was in this environment.

I admire the creativity of some of my tenants and there are several layers approval before someone gets the voucher.....one of which is that the tenant has to clearly state how many children she (or he) currently has and what their ages are as this is the big determining factor on what their voucher will be.

When you write the check every month, your check book doesn't know whether its paying good debt or bad debt, just that your account balance is reduced by $599.And one size/solution to the debt/no debt debate does not fit all people at all times.I think that it is admirable to have your personal residence debt free.

I personally think that is very admirable.