The investor's skill and capacity to realize that return.  

We only have your side of the story and don't know any of the details.It sounds like by complaining, you may have shot yourself in the foot, so to speak.A handicap, reduced mental capacity or any other disability does not exempt you from the property being deemed uninhabitable, actually it makes matters worse. 

Josue,Like Andre said TREIA is having a meeting tomorrow that is currently at capacity.  

He's acting in his capacity as a real estate agent, not a board member?  

If you remain on title in any capacity, you are not actually "selling" it.It would have to be a rate and term refinance in her name.

As @Chris Seveney rightly points out, if we have a UPB of $1.04m and a property value of $2.0 the borrower should have some capacity to sell the property or potentially refinance.  

I am thinking about getting a primary residence here in OC with a conventional loan of maybe 5% down or I am also thinking about buying a property outside of OC either in California or inter state as an investment property and putting 20% down.Irrespective of which strategy I end up going with I was hoping you may be able to answer a few questions to help me get some idea of my borrowing capacity right now.I purchased two investment properties outside of California in September last year.

They will also have some other criteria which restricts their lending capacity like the number of non-owner occupied units.  

A great apartment developer friend of mine, who has been in the game some 50 years and has successfully developed thousands of units, recently estimated that he believes some 10%+/- of Atlanta residents now consider themselves real estate investors in some capacity...that's over 500,000 people if your counting.  

Ryan Guittare happy to speak with you and work together...I have lots of financing options and capacity in Indy.