Our issue is my mother is using Medicaid which is a senior citizen Medical care.

You have to be careful, especially if the contractor is not a referral and you "found" them online. 

I find that the best lenders/brokers out there are the ones that care about you as the individual and are willing to cultivate a mutually beneficial relationship that lasts a long time.

Care to compare notes?

Meaning, would a bank care if the first mortgage was in someone else's name?

I am getting 6 extra windows at no cost including 2 transom windows in the bathrooms that really provide an higher quality feel and increase one of the main areas that tenants and potential buyers really care about (Bathrooms & Kitchens).

If you are reading this and not quite there yet I highly recommend following this route if possible.

With lots of listening, reading and reaching out to folks here in the BP forums, you'll shorten that learning curve quite a bit.

Try reading here:http://www.biggerpockets.com/forums/41/topics/72805-purchase-an-hoa-lien--on-purpose-this-time

Be careful contacting delinquent borrowers in states where your actions could be construed as foreclosure consulting, which may require a license and may subject you to civil/criminal penalties if you run afoul of the law.