Me purchasing it and renting it out to her turns it into an investment property thatvallows me to take advantage of all the tax benefits that come with it.She may lose the primary residence mortgage benefits she has, but I think what we achieve with the conversion outweighs the loss.Cashflow would be immediate and allow for quick savings growth for the next purchase.

This maximizes my return over a Niche property.

If you feel bad and want to save people money, start with a free pre-screening.

I wanted a house for myself to live in and I had been living with parents for two years to save money.

Save up more money.

To make a long story short, for one property you are not going to save $ in the long run and realize materials can take 6-16 weeks to arrive. 

And since you are licensed, you can potentially do some sales on the side to increase income and save up for investing.

We have been able to save up some money for our first turnkey multiple unit building.

Best to hire it out, even though it hurts the margins, it saves my time and stress substantially.

Do I wait another year to save more, or do I look into a HELOC or a VA cash-out refinance?