Rates can be as low as the T-Bill, darn near nothing, just go at it as customary.People die, stuff happens, get out of these ideas of paying more, you're momma may end up having to pay it off.

Hello everyone!
I am very excited to have found the BiggerPockets site and look forward to meeting many of you.

I am a wife and mother and I am ready to enter to the workplace once again after being a stay-at-home ...

Home equity loans are designed for Harry Homeowner to fix the kitchen for momma, not really as a commercial venture that carries long term needs.Read the fine print too, HELOC can be called under many events, your credit standing could trigger changes, it's not a product you can really trust long term.Search the topic too, much has been posted about your ideas. :) 

I have rented to lots of college students and each principal tenant had a co-signer, momma and daddy.

When everyone and their momma gets into real estate again, might be a good time to downsize. 

You or a surrogate needs to go to the auctions and bring a number of checks to pay for the property.

What they would do is use the kid as the surrogate occupant while the parents co-signed and provided the borrowing power and gifted 3.5% for down payment funds.

Or, did momma leave it overloaded to overflow :)

Mommas, don't let your babies grow up to be landlords!

I moved back to be with my momma during her final months.