I am a wife, a mother and an investor.

I am currently a stay at home wife/mother who works from home for a virtual call center.

It comes down to what the balance on the loan is as well as does your mother, or you, want to continue to be landlords.

He had a house that was 5 times more expensive than mine along with 2 BMW's in the driveway but struggled to pay the $200 a month for their daughter to play while another mother worked at Walmart and always paid on time.

You need some insight into college leasing.If there isn't a house mother there, boys will be in there, if for just long enough for the weekend party.Girls can be pretty bad, in over 12 years of college tenants, girls were the worst, not talking about messy, talking about nasty with all kinds of stuff flushed down the toilets.

This keeps your friend out of lending to an unrelated on an owner occupied property to you.After a year, you and your mother will need to refinance as J. mentioned.

I have a mother in law home behind a single family home.

Growing up, my mother and step father owned 3 sets of apartments as well as 2 houses.

Since they needed a place to stay I decided to add a mother in law suite to my residence (house #4 above).

Having to remove an entire master bath addition that had rotted to the point it was no longer safe to be inside of the structure.Learning how to frame the new addition from a Deranged Framer who believed the aliens were coming for us and that he wanted a bonus when I sold the house since "that was customary"Firing said framer for no calling /  no showing for the second time on a Friday and even his mother could not find him....