Getting advice on any website about what someone would do based on their limited experience is simply dangerous.
Talking to you could be what is dangerous. You seem to already want to put this person or his disabled mother into a loan on low price investment properties. I would be interested in others opinions but I think that is the worst possible option. Those “loopholes” you mention to get around “INSANE” mortgage rules also sounds like a red flag. Hard to really tell since you are being pretty vague.
I will also say this isn’t any website. There are many people who are full time real estate investors and have a lot of other life experiences. I’ve learned a lot.
