One possible plot could be that through some kind of time - travel or alternate universe magic, fem Naruto ends up in the past and somehow becomes involved with Kakashi's father. She then gives birth to Kakashi. Along the way, she might use her knowledge from her own time to change certain events in the village's history for the better.
It could be an original character created just for the fanfiction. Maybe a mysterious ninja woman who crossed paths with Kakashi during a mission and they had a brief but intense relationship.
Often, Naruto is paired with Kakashi in such fanfictions. Their bond from the original series can be explored in new ways in the context of Kakashi's reincarnation. For example, Naruto might be the one to discover Kakashi's reincarnated form and help him adjust.
Often, Gai is paired with Kakashi in Hurt Kakashi fanfiction. Gai, with his unwavering belief in friendship and his eternal rivalry with Kakashi, can be a great character to interact with a hurt Kakashi. He might try to pull Kakashi out of his slump through their friendly competition. Also, Rin is sometimes included. Since she has a significant past with Kakashi, her presence in the fanfiction can either be a source of comfort or more pain, depending on how the story is written.
Naruto would probably be one of the first to try and rescue Kakashi. He has a strong bond with Kakashi and would not stand by while his teacher is in danger.
Naruto is often a common character. Since Naruto has a strong bond with Kakashi, he might be involved in Kakashi's time - traveling adventures. Sasuke could also be there. Their relationship with Kakashi in the original story makes it likely for them to show up. And of course, Guy would be a great addition. His friendly rivalry with Kakashi would add some humor and action to the time - travel scenarios.
I haven't come across a fanfiction specifically named 'fem Naruto is Kakashi mom'. However, in the Naruto fandom, there are all kinds of creative and out - of - the - box ideas. If such a fanfiction exists, it would probably involve a lot of creative re - imagining of the Naruto world's lore, relationships, and character backstories. For example, it would need to explain how Naruto, as a female in this scenario, could be related to Kakashi in such a way. Maybe it would involve some time - travel or alternate universe concepts.
One possible replacement could be Gai. He is a strong and enthusiastic ninja who has a friendly rivalry with Kakashi. He could bring a different kind of training style to Team 7, focusing more on physical and direct combat training, which would contrast with Kakashi's more laid - back and strategic approach.
Maybe an organization that wants to use her unique abilities. If she has inherited some special power from Kakashi or has her own distinct skills, an evil organization could try to capture her and force her to work for them. They would be the main obstacle she has to face in the story.
Obviously, Naruto and Kakashi are the main characters. Naruto is the one in the role of being Kakashi's 'pup', which implies a special relationship. Kakashi is the one Naruto is related to in this unique way in the fanfiction.