My funds came from a hard money loan leveraged against a rental I've owned for years and my brothers came from both an LOC he took out against his primary residence and 60k from a signature loan he talked our mother into bankrolling. 

Looking to connect and hear about your experience with certain lenders as I am looking for one that understands travel nurse income.

It was set up as a mother daughter sort of.

@James NidifferGet you and your sister on title.Wait 6 months (or 12 months) seasoning requirement.Apply for cash-out refinance or HELOC (it would be labeled as an investment property).Your mother, still on title, will have to sign paperwork for the loan, but doesn't have to be listed as a borrower on the loan.Otherwise, there aren't any other "work-arounds," that are legal, that I know of.

A question I have is if I partner up with my mother (we have an extremely strong relationship and she is 100% willing to lend to me as long as I put in the work) can she apply for an FHA loan, use the money from the HELOC to pay the down payment, closing costs, and minor rehab costs while I live in the property under my name? 

If your mothers a vet why not use that to get a VA loan? 

SFH fully furnished bsmnt studio rental available for short-term lease (traveling nurses/professionals, AirBnB, students) starting 8/1/21 btwn $800-$1000/mo or $40/night.

It's also the house my mother and her siblings grew up in.

I knew that it would pay off once I attended Nursing School and Business School.

., physician, optometrist, psychiatrist, psychologist, physician’s assistant, nurse practitioner, or nurse."