I have two phones, one for business and one for personal.

I make loans on Memphis properties for investors.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

If you are going to be an owner-occupant, want a low down payment, and are planning to do a renovation, the FHA 203k and Fannie May Homestyle loans are your best optionsHow do you know the property is currently upside down on the mortgage? 

Hard money is a type of business loan for non-owner occupying investors.

I have gotten a few loans through Kiavi.

Alternatively, your sibling might use a 1031 exchange to defer taxes by reinvesting in like-kind properties, though this doesn't directly fund a primary residence.Other ideas include leveraging a HELOC on the rental properties for the down payment, taking out a 401(k) loan, structuring an owner-financed agreement, or a lease-to-own arrangement.

Another thought - are you considering an FHA loan on the next one?

DCSR Loan

I believe the investor may need a commercial loan at that point or could do 3 separate loans since they are on different parcels.