Good Morning. Up until Hurricane Irma, my Mom lived in Orlando in a mobile home with little equity and little savings. Hurricane Irma flooded the home and the insurance has 'totaled' the home. Bottom line, she now has @ $20K to start all over again. This doesn't appear to be enough to buy a new property/mobile home as the new lenders want 25% down, and yearly income limits that she does not meet as she only has her Social Security that is not enough to qualify for a loan. So...we are in a pickle. She can't buy alone, so my options are to cosign and contribute funds to make up the difference needed to put down, or (my preference) is to buy the home myself in my name so I don't have to worry about any life events later that would lead to regrets (I am thinking of medicaid looks backs, approvals etc). I would like to buy an apartment in my name and rent it to her. It would be fair...I want to be above reproach and not cause her any medicaid hassles in the future (I worry as my family has been in nursing homes and I worry she may need the same assistance in a few years). Can anyone give me any suggestions or thoughts? I don't want to my silly mistakes that will cause issues later. I want to think it through now before I move forward! Also, on the five year look back period, how does Medicaid look at her spending? Since she lost everything in the Hurricane, she is spending a lot now from the insurance proceeds to replace furniture, clothes, you name it. Is there a limit on her spend? Will they question why she is spending so much in a six month period of time if the period fell in the five year look back period? Will they question the amount I charge her for rent if it is fair market value since I am her daughter? Thank you for any feedback or wisdom anyone can share!