Wedding Gift Funds for Down Payment

[Nicholas Sheridan, Jr.]

I have a goal set to purchase my first investment property (SFH or residential multi) by April. My next step is acquiring financing so I have reached out to different size lenders - credit unions, regional banks, national banks and I seem to be getting the same response back.

"We don't accept gift funds as part of the down payment for an investment property. The money needs to be seasoned in an account for 60-75 days."

Well, I definitely learned something this week because my plan was to use my wedding funds (wedding is this month) towards the down payment. After doing some research on BP I found suggestions to keep talking to different lenders, commercial loan officers etc. Are there any additional tips you can give? I am really trying to avoid kicking the can down the road once again and prolonging jumping into the RE pool.