If your mom continues to hold the 1st lien on the property, you would need a 2nd position equity loan product for investment properties to stack behind this to extract your rehab funds.

Quote from @Rolayne Taylor: We started with one buy and hold in 2019.

You can always leave and repeat the process and rent out your old living area.  

I have owned several single family homes as rentals in my own name, my first LLC holds mostly 2-4 unit small multifamily properties, while my most recent LLC has all 5+ units.

Rinse and repeat.

The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!

I guess they are holding you ultimately responsible for pricelabs raising rates.

CA is brutal when it comes to taxes.I don't give tax or legal advice, but many people believe that holding the property in your name and having a good umbrella policy is a good solution.

In return for excellent service I'll be offering repeat business and I'll happily provide referrals to my existing investor network for those top performers. 

Investment Info:Townhouse buy & hold investment.