For example, if they need a quick sale, emphasize your ability to close fast.

When I pointed that out, they suggested I instead setup my credit card as a vendor, and enter each charge as a bill, which would then fix the assets and liabilities issue.  

You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

Dan makes a great point - you want to be clear of any areas that are working on limiting the ability to rent OR cap your rental potential.

If she lives rent-free, you retain control of the property but lose the ability to claim rental-related deductions.For long-term planning, consult a CPA and attorney to ensure compliance with tax rules and align ownership structure with your goals, including potential conversion to a rental or estate planning considerations.

Without getting into the weeds of our conversation, their response was as expected highlighting their service and ability to facilitate a loan.

If you are a legal property manager in your state the owner should have the unfettered ability to allow you to act as his/her agent to enforce the lease, whatever provisions they may contain plus whatever your state laws allow.

I personally recommend checking Columbus OH - lots of job growth, population growth, and major companies moving and developing here.

@Brittany MyrickIf I were getting started in real estate investing in New England, I’d focus on researching local market trends, especially job growth, rental demand, and the broader economic outlook.

Right now, I’m focused on building a strong foundation in real estate by expanding my network and learning strategies for sustainable growth.