Yes, you can use FHA and Conventional program for a primary home if you are buying a "Distressed" property - (Will not pass an inspection) "Subject to">  FHA offers a 203K loan and Fanie Mae offers a Home Style program which has the sole purpose of working with distressed properties. 

@Marcus Auerbach Maybe the most fascinating part of your journey is your dissatisfaction for a bootcamp style program, but your value towards paying for the one-on-one coaching. 

Look for one that includes a good training video to teach you how to use it.

*I also have quite a few LTRs which I can thank BP for teaching me the basics 10 years ago.

You each can teach one another so much!"

Quote from @Christian Styles: testing testing testing testing testing.

We are retired and have no plans to work (other than work from home).Budget is around $700K with about 3000 sqft, preferably ranch style.

We have had lenders call due - and we cure.I am looking for a discussion amongst investors on how to overcome the poor teaching by gurus, tighten up the industry, and get solid wraps accomplished.There is no harm to the lender when a wrap is completed. 

So it would be fine to add her to the title of your new property.I agree with @Christian Styles, no need to mess with a gift at all. 

I teach a 4 hour course on wraps if you want to learn more on how these are supposed to be structured and managed https://wrapu.ceshker.com/Stay legal and safe out there!