Are there any creative things that could be done to get to my goals or from your standpoint,  or is it pretty well a firm "not gonna fly" type scenario? 

My mom lives in a nice house that she has paid off.

Ultimately, putting more down will allow you to get a interest rate and lower mortgage payment over time. 

As a bonus when you sign up you also get an e-book that has tips to running your wholesaling business.We normally pull 50k+ list when we do our monthly campaigns of cold calling.

Do you have a nice big building like a beautiful wooden barn or pavilion?

I'm new to RAL but very much looking to get into the space.

Some of the heavy hitters here in Chicago discussed the ADU program with a very nice person from the building department.

Could you kindly get back to us with the details?

Also when you are under contract and get condo docs, make sure to read the meeting minutes (for the past year if available) they will indicate if there are any talks of an upcoming special assessment (which you don't want).

We identified it on the MLS with it's low asking price and nice aesthetics.