This could be complicated, if mom is on title, and/or was the wife of the deceased at the time of his death. 

HI Robert,The strategy may sound complicated on how to accomplish your question above but I assure you its very simple.You can either increase your "income," or you can decrease your liabilities or expenses that are factored into your DTI equation.If your "home," is the biggest expense and it is crushing your DTI ratios then you can convert your home into a rental so that income can be used to offset your monthly mortgage (AKA you convert a liability into a potential asset that was taking up your borrowing power prior).You can payoff or down your other liabilities or credit cards.You can increase your income or Bottom number.

This is far too complicated to deal with in a brief response or two.Bluntly, you need professional help to do legally what you want to do.

I don't know a lot about the situation however it sounds like the rehab isn't that complicated.  

What I neglected to mention there is that getting such a non-paying occupant out becomes more complicated than a normal eviction; a foreclosure process might have to be followed.

I was taught "A confused mind will always say no" and it's true, if you get too complicated they tend to freak out and run away.

EASY RUBS Billing: Before you state that it's complicated b/c Water isnt usually separately metered: No problem.

Use an MLO it's not that complicated

This model clearly has many complications but think its not outside the realm of possibility considering the trend of online social connectedness and the way the internet is helping to dis-intermediate traditional business (i.e.

Complicates life a bit, but getting great experience.