I also pay her utilities.The thought was that my mother (who's not working) will live in the house as long as she needs to and the house will be mine after that (my mother is 70).

Hi @Meghan Sullivan Great name, you must have an Irish mother too :-)First, congrats on your first deal!

hello, I am from New York and at the age of 24 my mother passed leaving me with alot of money. 

Recently my mother passed away, insurance is covering the bio hazard clean up, reconstruction of the interior of the property.

My grandmother recently passed away and my mother wants me to have her house in Corpus Christi, Texas.

My mother had 6 sisters and 3 brothers and her mother and father and they all resided in 3 bedrooms.

Some creative financing ideas:Ask the seller to loan you 100% of the purchase Do an installment down payment agreementGive the seller a note - pay him a percentage of the rent you will be collectingGive the seller a post dated check - post dated for 2 years for the down paymentOffer a blanket mortgage on another property you ownAsk seller to repair something (we call it the"Front Porch clause) instead of him doing it, he gives a check in that amount that it will take to do the repair - you endorse the check and give it back to him as the down-payment.Borrow SOFT MONEY on another property you own or from a relativeBe a limited partner on the deal - they refi or borrow money on their property - you make the payments over time with a nice interest and don't forget a buy out clauseAsk your girl friend, your Mother or drinking buddies - offer a free apartment for a limited amount of timeAsk the owner to finance 100% of the deal - keep him in as a limited partner Offer 20% more for the building if the seller will take back a principal only mortgage (that is without interest) offer a balloon payment and split notes.Ask the seller to let you manage the building for a year - collect the rents and make improvements from the rents receivedOwner financing with split notes (details on this to come)Proposal marriage to the owners daughter - make friends with the seller's wife - let him know you really want this property - beg for help - tell him you are a nice person - just getting started Offer a Hybrid offer - offer less - improve the building and give seller 20% of the profitsTry a Delayed Settlement with right of possession and subject to the mortgage - you make payments until settlement 1-2 years later.

Hi BP,My mother is having some trouble and I am trying to help her out. 

Wow I guess my mother was right.

It varies by county, i.e. by real estate boards (ex: my mother is a broker in Litchfield County and that board handles deposits differently than they do here in New London County.