@Becky FrommIf you took your mom off the deed and the loan you could possibly get someone to give you a first on it as a DSCR or private / hard money but then your interest rate is going to be pretty high (double digits)

You think the lender's security isn't in jeopardy?

In Florida our insurance rates have doubled across the last two years.  

The double sale approach is genius actually.

It is still being rented mo to mo for approx double of local area rent (I’m still paying utilities.) 

they know about kitchen renovation too LOL :The property value of 22757 Charlemont Pl in Woodland Hills, CA has increased significantly over the years.The key details on the property value changes are:In August 2016, the property was sold for $941,000, which translates to around $345 per square foot.In June 2024, the property was sold again for $1,857,500, about 97% higher than the 2016 sale price.The 2024 sale price of $1,857,500 for the 2,730 square foot home equates to approximately $680 per square foot.So in the span of around 8 years from 2016 to 2024, the property value nearly doubled, increasing from $941,000 to $1,857,500.

In the 80s interest rates used to be double of what they are today and people still succeeded.  

@Ashley WilsonThe optimum time to buy real estate is in the early recovery stage, say 7 o'clock.For example, the properties I purchased between 2012 and 2014 almost doubled in 2017.At this point, I believe we are very near the bottom of the market; it is a great time to buy Multifamily Apartments as there is less competition.

A duplex in Miami will probably double in value in 10 years (and so will the rents). 

I think DSCR Loans are definitely in your future as you continue to grow your portfolio but probably not the best fit here:-Can strictly not use DSCR for any property you live in - would technically be possible if you moved out, leased up the unit you are currently in and provided good documentation that its legit - but this is a firm non-starter for DSCR (absolutely no occupying the property)-DSCR Rates at best are in the sixes on a cash-out refinance - so you would be doubling your interest rate at least on the current property - which could make sense but its a pretty high hurdle.