And I suspect the OP and his wife probably dont want to move into one of their rentals .. just speculation..

Rather than speculative talk, I'm curious to hear about actual performance. 

Please no speculation, I need first hand experience.

It's speculating.

Is that left to speculation from here on? 

Since you said the sales price is $180000 and loan around $165000 so Mom needs a down payment plus the costs.The seller may lose a portion of their entitlement, not knowing their situation, cannot speculate but the loan is small, so perhaps a percentage of the entitlement.The seller doesn't have to stay one year, seller can move and ask for exception, seller cannot rent the property in the first 12 months. 

In contrast, volatile markets experience significant price fluctuations due to economic sensitivity and high levels of speculation, leading to potential affordability issues and market corrections.

Some do not want to invest in speculation, but I think every investor has to make that judgement call based on their own knowledge and experience.

This is of course all speculation but Memphis is always a great market to invest.

Understanding that SPECULATIVE investments should be only a PORTION of your total portfolio, and should only be money you can afford to lose.And what DOESN’T work1.