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And how are you going to get a 6% loan on it ?

My plan is to buy the house subject to their existing mortgage, renovate the property, refinance it and pay off their remaining loan balance using the money from the cash out refinance.

I’d pay my 0% interest for a year credit card loans and 401k loans off asap then repeat.

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.

Just curious if anyone has used All Loans Funding for DSCR loans?

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

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