Probably what is killing the deal is the down payment that would be required. you could not go FHA or VA so conventional would be the only choice. 20% down would be almost 400k!

There are alternative qualifiers like - Alt Doc - 12- or 24-months bank statements.

@Brandon StevensonWhile using LLC for your rental properties is a great choice for asset protection purpose, doing so for your primary residence is rarely a good option.Doing so would have consequences regarding: Mortgage deduction,Homestead protection,Loss of the section 121 capital gain exclusion,Cost of insurance,Cost of mortgage,Property taxes in some states,

Safety should be your first choice.

So I probably would have made a different choice at the time.

I was thinking what would be the alternate solution for her.

There are possible alternatives which would allow to you use these funds without paying taxes or penalties.First, you may wish to consider transferring the funds to a self-directed 401k or IRA which will allow you to invest in real estate without incurring taxes or penalties.

My alternative is asset-based lending and going down the route you talk of with no inspection contingency which means my offer needs to reflect that risk.

What are other turnkey companies for a newbie? Thanks!

Don’t get too hung up on the choice of CRM.