Say she does a 203k or conventional renovation loan she could have you joint on title as non borrowing or on the loan to help. 

(investor)A:VA loans want to net 88% of appraised value,Conventional will accept as low as 80% and reverse mortgage will accept 95% if the property is vacant if its occupied they will rarely accept anything under 5k of appraised value.Q:The owner is not the borrower can we do a short sale.

I am new to this but jumping in head first and looking to make offers in the next couple weeks. Any information on the process of qualifying would be nice and specific recommendations on positive experiences with Hard...

After a year of living there, you can refinance into a conventional owner-occupied loan (they might require 20% equity but ask around) and use the FHA loan for your next purchase.  

When you raise, you might fix a few items in the unit/house or perhaps offer a new digital amenity if available.

I have two properties in the Portland, Oregon area that are both financed with conventional loans.

You have asked a lot of questions that with some digging through the search bar you will find have been covered many times.1) Talk to a lender when you're closer to your buy timeline and they will outline the different financing options ranging from 3.5%+ down FHA to 5%+ conventional financing and the pro/cons of each.

We switched from conventional loans to DSCR mortgages, where the lender looks at the property and its production of rental income. 

At that point, you may as well do a conventional loan and avoid the PMI. 

The builder could give you “upgrades” but the cash back is limited by conventional loan requirements.