Always consult with your attorney before you rely on the above information.

They do not require any income verification, DTI, tax returns, etc.

@George RedCalifornia is generally more cumbersome than other states when it comes to taxes and filings.

Of course I will still run title tomorrow… how can I check on Federal tax liens? 

We have 2 years of reported rental income on tax returns for both properties.

It's likely they aren't including all expenses including property management, taxes, insurance, mortgage payment, and capex/vacancy/repairs holdback. 

Would my mother's portion be affected or are their tax implications for her with this type of transaction?

Can I write off any of these rehab expenses on my taxes?

There is a tax benefit and you can welcome him to pay you back but not have an expectation.

Overall behind in the process by about a year - just catching up now & could use some (paid) advice on how best to navigate the complications -Probably an hour or two's consulting, at the most.