Irrevocable trusts may trigger reassessment unless structured carefully.Gradual Transfers – Transferring less than 50% at a time could potentially avoid reassessment, but IRS step transaction rules could still trigger a tax event.Joint Ownership – Your aunt adds your mother as a co-owner, then your mother adds you later.

My thoughts: don't get set on just one trend since your goal is to purchase in 2026, as we've all experienced, a lot can happen in a year.  

For example, if you were a CPA for a law firm, and then went on from there to open an accounting firm on your own, SOME lenders might be willing to look at this as a 2 year history, even though you're only 1 year into the self-employment piece. 

For instance, Sedona AZ has a limit of 4 unrelated adults living on a residential lot, so PadSplit won't work there.

Anyway give it a go..

The wife had a local business and the husband had a good job.

In a suburban area, typically a 1 mile radius is the benchmark and you need a good reason to go out farther. 

Hi Noy, Pittsburgh is a strong market for investors.

So i received a voicemail this AM from a member of their team regarding my posts here on BP.

I'd be interested in a meet up.