My question is if anyone has any referrals on lending for the remaining loan amount necessary.

With this mortgage, her monthly debt payments are almost as much as her income (I'm honestly not sure how she was even approved for the loan).

Lending to a flipper is much riskier and carries a much higher risk premium than owner-occupied loans, which currently carry a National Average according to unbiased publication Mortgage News Daily, of 7.13%.

Hi Lewis, no better way to build wealth by utilizing the loans available to you especially VA loans.

There are several key differences and considerations to keep in mind when investing in a larger building.First and foremost, financing a larger apartment building will likely require a commercial loan, as opposed to a residential mortgage.

Just a thought, is an equity loan or equity line of credit an option on either of these?

It may prevent them from qualifying for another rental, a home loan, car loan, credit card, etc.

Fairly cosmetic rehab incl roof replacement and mechanicals, $40K budget, done in about a month and a half, and now am moving towards placing into property management and flipping out of my rehab loan. 

I didn't know Santa Clara County had this loan.

Carrying cost loan (closing costs on loan and interest), utilities, etc can be written off from a tax standpoint to reduce your liability/