I would also cut down on the photo count.

Figure out a way to narrow it down.

@Tyler Speelman Your strategy to assist your sibling with a down payment while minimizing tax liability is creative but comes with complexities.

So, I came from Louisville Ky down to Tampa Florida.  

When talking to my FL lawyer he stated any beach equipment or toys you have can be used as an avenue to sue if they get hurt with it, even if previous guess left them so he added a paragraph on beach toys/equipment. 

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

I can't wrap my head around your ideas, but I would really love for you to educate me on your thought process.

Are you using the 10% down second home occupancy loan?

I think @Patrick Roberts hit the nail on its head.

This also includes any potential benefits for tax losses, no matter where they are sourced to.Given the property is in MO, it would also be subject to income tax reporting in that state, unless there are any exceptions to having a filing requirement there (I don't know MO rules off the top of my head).