I told her that I plan on using a hard money lender and that I'd get back to her, and she replied that I am not allowed to use "gift money" for the downpayment.  

I don't pay anyone in cash that I wouldn't give money to as a gift, meaning other than a few close friends and family members, everyone else gets paid by check. 

, can gift down payment funds to the other SO.

You'll find that saving up or being gifted the money will be the few options available to you.http://homeguides.sfgate.com/can-borrow-35-down-needed-fha-loan-41940.html

www.bigggerPockets.com/518slidesI do not understand the error above,,,I request the two seminar gifts of digital publication books1)  how to manage real estate, and2)  how to buy real estate with no money downthank you

She was immensely helpful over a long period of time as he went through a number of prospective properties/issues, etc.Your reserves have to be in place at the time of closing and could possibly come from a gift.  

the best gift I give the investors we loan money to is the ability to say ...Thank you for doing business with us....now here is a gift of a resource that will blow your mind...You need to be a part of this site...   

It is above an IRS-allowed annual gift as well, if you were crazy enough to go that route.

My family just sold a business and I was gifted a large sum of money from the sale.  

If you are purchasing a primary residence, you can use gift money from someone else, but they will not allow gift money for a down payment on an investment property (not sure how it works with owner occupied though).