Hey Bigger Pockets family,I'm currently under contract for a property and even though I'm using a commercial loan it has still been a huge hassle dealing with the banks and traditional lenders.

That said, it's tough to cash flow with traditional long term rentals.

I understand I will not be able to leverage some of the tax benefits available to traditional landlords while I am renting to her and want to understand 1) what I am missing out on and 2) any legal, creative ways to access the rental tax advantages.Thanks for your thoughts!

The other option is to use a traditional bank as you mentioned.

For security I like Ring products as they are low monthly costs ($10/month), yes the equipment costs up front may be a few hundred dollars but keeping your monthly costs low will increase subsequent cashflow, traditional alarm companies can be 40 to 60 a month.

. - Get a traditional loan after mom passes (Total purchase price-what we have paid off= new agreed upon purchase price of the home)?

I am not able to qualify for a traditional loan due to my lack of job history.

Traditional investment property financing is probably not appealing. 

For a traditional STR you might want a place with a cool spray painted wall to take pictures of and post to social media. 

Be super careful when using traditional loan products as to not commit mortgage fraud.