They moved in put down $6k and now the property positive cashflows $650/mo.  There's

For example - Mother dies May 1st and house is in a trust, leaving home to son  who is living there. 

They highly recommend replacing the insulation, to “keep my mother safe in winter.”

These two factors were strong indications that we would gain additional equity, and maybe even increase our net worth.While it might be tempting to think that there is no way a house with an extra mother-in-law suite will be less valuable than a house with parking, it is worth making sure that you will have adequate equity when the project is done, and that you are not overbuilding the house.

Such as you transfer the property into your wife’s name, you or your wife get sued for something unrelated to the property, a judgement is perfected as a result of a liability finding, and the creditor successfully forces the sale of your mother in laws house to satisfy the judgement.  

Another one suggeste was USAA my father was a veteran but abandon my mother when I was young child and I don't have proof that he served in the Army. 

She is a single mother with 2 kids and I have never met her in person.

@Emily Anderson Oh, dear mother, lol!

I paid $90,000 cash so there is no mortgage (my mother in law passed away, she had no mortgage and I bought my brother in law out). 

Or, look for properties that are considered "mother daughter" properties or properties with "Mother in law" suites.