Since I don't have the ideal capital to start purchasing and flipping homes, I wanted to wholesale initially to build it.

At this point, she's been nothing but an ideal tenant.

I would ideally like to pull at least 90k put of the refinance to start my next BRRRR house.

That sounds ideal (talk about the white tiger!).

Ideally, we'd like to respond to email and text messages in the same program. 

Commercial products ideally look at the property and not the borrower but the reality is your personal finances are probably going to be looked at in some way.

In fact, since you are in a mild climate a d the properties are small, you might be an ideal candidate for mini split HVAC systems.  

I guess I should have mentioned that ideally this not be too onerous, or to possibly negotiate that yield maintenance gets released after say three years depending on the fixed rate loan timeline (this would need to be paid for upfront).Another key point that might allow an out clause while being able to avert yield maintenance penalty that I also forgot to mention is to be sure that the "Loan is Assumable" so that a purchaser of the property could assume the loan. 

Unless your mom is only in her 40’s she has enough to last the rest of her life and while it’s not ideal it may be the least risky.

Ideally in one of the following neighborhoods: Bushwick, Ridgewood, Williamsburg, Bedstuy, Clinton Hill, Crown Heights, Prospect Heights, and the surrounding areas. 1.