My suggestion for you is as Jay alludes, do not start in non-performing loans.  

I look forward to your suggestions.

I suggest that you ask your mortgage company well in advance.

Others will suggest alternate paths but all require more work and more time.

My suggestion will be to find a great deal.

The UW will then counter the loan as an investment property and require 20-25% down or counter it as a second home with conventional financing with a min down of 10-20%.This is what will happen if a loan officer submits the file as suggested above.It would have to be a pretty rookie mistake by a loan officer (LO) though to submit a file with out the property explanation and documentation because it would not put your file in the best possible light and achieve what you've intended to achieve.Is it possible for her to get a primary residence ?

I'm a newbie here. i would like to get few suggestions about home investment.

You have to choose a specialty within commercial and become a specialist (industrial,retail,office,large multifamily,etc.).I have found many agents eager but then fizzle out after a few weeks.

Any suggestions are greatly welcomed. thank you.

@Thomas ManningAdding to what Bram suggested above, you may want to go through the Ultimate Beginner's Guide here on BP (link).