Generally speaking, I think tech like this stuff and social media have lowered the barrier to entry, allowing people to take risks they dont fully understand, whether wholesaling. flipping, lending, etc.

Obviously if I intend to have a top performing STR in this market, my buy box will allow for a much higher max purchase price, but I wouldn't feel comfortable with shooting for the max if there aren't clear ways to beat these competing properties.

i'm local and can connect when your time allows.

Many lenders won't allow actual cash value or ACV.Repair cost or replacement cost?  

If you want to start a fix & flip business that allows for bigger returns but bigger risk, that's another. 

Her mother is willing to (co-sign) and has excellent credit and debt to income ratio that will more than allow but I’m not sure the best way to structure this for the house to still be in our name?  

There are lenders out there that will allow you to do a loan on something bought mid construction and is uninhabitable. 

If both the parent and child are married, this allows forgiving up to 4 times the annual gift tax exclusion per year.

We don't allow any "deal-making" in the forums, which includes advertising your services or properties, looking for partners, etc.

Would a bank even allow us to mortgage multiple buildings on a single lot without it being subdivided?