To us, its a "Bridge Loan" (lol).

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

Quote from @Austin Brummett: I wouldn't do anything right now except continue to save and learn, because you are likely moving soon.Lenders usually want to see two years of employment history, so you won't qualify for a loan any time soon.

.~ I will most likely purchase the first home (multi-family) using a bridge-DSCR loan combo or a FHA203K (3.5-20% down). 

Some lenders will also have seasoning requirements for the loan itself, which may be different than what's required for ownership.

Then you’re going to ask her to give you a 3 year 0% loan?

So, I don't think they would be able to stay.There is currently no loan on the property. 

I have been trying to save up money but it is not near a down payment for a traditional loan.

I have two rental properties through the VA loan being military.

You aren't required to offer a loan mod prior to foreclosure.