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. 

They key is buying the correct property.

Bankers on board.  

That’s the beauty of house hacking.. it’s a long-term play with massive upside.What to Look Out ForAnalyze the Numbers Thoroughly: With your goal of having the property cash flow once you move out, the key is to run your numbers with future rents in mind, not just what you’ll pay while living there.

@Jason Stofer if you don't have a support structure to tap into... the unhappy answer is that there is no short cut. 

It's at Kalahari, apparently because so many people showed up at the last board meeting to voice their displeasure with the proposal. 

A prudent investor doesn't seek quick riches through shortcuts.

The key is to understand the capital stack, who is in line in front of you and what are their terms.The people who are getting burned may have known there was debt in front of them, but did they know it was short term or variable - did they know all the details to make a good judgment on the investment.If a property had 20 year fixed debt at 70% would you take that over 3 year debt on a variable rate at 50%? 

What are the key areas I should focus on to ensure I have the right people in place?

Let her know she can change the locks and give you a new key (or if it is a keycode, she can change it and give you the new code).