@Matt D.When wholesaling with another wholesaler, you should have a co-wholesaling agreement signed between you and the other party.

I am not sure if I should do a CO REFI to avoid the potential of the variable rate increasing. 

This could be done in your mothers name I suppose with you as a co signer.A HELOC is the best of both worlds and will afford you the flexibility to invest.

As Caleb said, you would need a co-signer for the loan. 

I thought maybe I could use a co-signer to help get the loan.

I was told by a co-worker that we can install a submeter on the sinks and shower and then take readings ourselves and figure the bill for the tenant.

I am not familiar with the laws or contractual agreements when one purchases a co-op.

Hello BP,What are all the expenses related to purchasing a co-op in New York City?

ALSO I'd highly consider asking some busy agents in town if they could use a "co-agent" where you can do a lot of the busy work for them for a split of what commission THEY get after splitting it with their broker. 

I also work as a firefighter and make good money as well and I split profits with a co owner who is also a firefighter.