The HOA property manager licensing bill was supposed to address the disclosure of the fee but not ending or limiting the amount or ability to challenge the fee: basically allowing things to continue as is.

The bigger issue is what the operating agreement (aka limited liability company agreement) will look like. 

My income is limited annually because of disability benefits given for medical issues, but the max allowed to make is 13,000 yearly.

A dollar amount and the phrase "for good and valuable consideration" may or may sufficient in a transfer of title and may not be the same as described or required in a purchase contract that conveys an equitable interest.Mixing these two concepts is incorrect.When a purchase contract is made, legal title remains with the seller, but equitable title is given to a buyer, full title is in  state of limbo until settlement.Equitable title must be financially measurable, if it is not measurable or cannot be established and is an amount customarily accepted, equitable title may be limited or may not exist.

You do not need all the business in the world to be successful.The mind is what limits people to what is possible more than anything in life.

There are limits to how much you can invest in your SDIRA per year, but if you are making money in your REI and have a business structure setup you can sponsor your own company SDIRA plan and contribute some of your own income from your company into the new plan and even provide a company match (benefits of business ownership!). 

It seems like Turnkey properties can make it easier to find a property to cashflow, but the upside will be limited compared to a property you find on your own.

To further complicate my situation, my hours are long and unpredictable, and my internet capabilities are limited.

I may have missed information from other posts that would add clarity, but with limited information for the happiness of your relationship with a loving mom, cut the cord and go find your own money.Why are you borrowing a down payment anyway?

So the second point is these guys just want to get paid and limit themselves as best they can.