I am hoping the Bigger Pockets community can help.

It would be less complicated if you helped her find a starter home, gifted a portion of the down payment if needed and allowed her to own something without strings. 

You will meet a lot of great people here that will help you on your journey. 

Building on existing land helps eliminate the issue of land scarcity, which is a significant challenge due to California’s high real estate prices.

@Benjamin Carver great post with lots of helpful information.

Single-pane windows should have storm windows which help a little.5th check if the electric company can put the house on budget payments.

Hey Kenny no it's more out the money to work and if needed get personally involved right right now have 3 clients I helped raised 175k in 0% interest business funding with 12 months 0 apr and they want to get going in real estate and make modest returns not shooting for home runs 

For rewards-focused credit cards, Capital One or Chase Ink (I use this one, among others) might fit your needs.Hope this helps narrow things down.

.: Hopefully you guys can help answer this for me...... 

Feel free to send me a message with any questions if I can help!