In that case she will still need to refinance on her own credit.I would not suggest Sub2 in this case.   

Any thoughts or suggestions are welcome here!

Any suggestions and help would be gladly appreciated thanks. 

Unless a different one would be better that you could suggest   If you are house hacking you can utilize 3-10% down. 20%+ is great to put down but not always possible.

But it's YOUR money, and Real Estate, to put it mildly, is a contact sport).Month 5: Deals & Network (15-18 hours/week)Submit first offersAttend 2-3 REI events monthlyBuild social media presenceKey Goal: First offer acceptedMonth 6: Scale & Automate (15-20 hours/week)Delegate initial tasksEstablish morning/evening routinesCreate follow-up systemsKey Goal: Sustainable weekly schedule🚫 Common Pitfalls to Avoid:Overcommitting earlyNeglecting W2 responsibilitiesSkipping system creationTaking on too many mentor calls✅ Success Markers:Consistent daily actionsGrowing networkClear systemsNo work conflictsSteady deal flowMaintained energy levels👉 Action Steps This Week:Audit your current scheduleBlock 2 hours dailyChoose your power hour (morning/evening)Set 30-day milestoneGeneral Comment:  obviously not everyone will follow these suggestions.  

Any suggestions would be greatly appreciated.

Make sure you account for all of your interest load if youre using a Heloc for permanent financing as you suggest.

I'd be happy to provide some recommendations and suggestions for your situation as a foreign citizen living in Miami.First, it's important to have a good understanding of the local real estate market, including pricing trends and neighborhood dynamics.

Quote from @Aaron Raffaelli: As the title suggests, I am just starting to enter the REI world.

She suggested she might have to add the ex to title before closing.