Please help with our discussion. Lady purchasing home for her mother to live in but putting the property into her sons name.She will be only one on the note, but son will sign pledge on this subject house. I think this is investment, am I right?

How is it investment property, she isn't even going to own it. Sounds like she is purchasing a house for her mother to live in. How much more of a personal purpose could you get? I hope she has consulted a tax attorney on the gift of the house to the son.

If by "investment", you mean exempt from Reg. Z, i would disagree. This sounds like consumer purpose to me.

If this is a personal loan secured with real estate she does not own, can we still escrow on this loan for taxes and insurance?

If this is a personal loan secured with real estate she does not own, can we still escrow on this loan for taxes and insurance?

Can you, sure you have always been able to require an escrow on any loan unless barred by State law.