No free lunch in this market!

You'll most likely still need a coborrower at first, but may be able to refi them out of the deal in a year or two once you have qualifying experience and operating history - then you can likely use all of the rental income towards your gross income. 

You are generally correct that there is an annual exclusion for gift taxes that generally passes tax-free (of course, in all situations, exceptions apply and you have to meet all requirements to qualify). 

I’m an ex realtor who also has some experience working for a private equity group for a short time before I got a really good gig in a completely unrelated industry that will allow me to have options when investing.

You Get Experience"When the man with experience meets the man with money, the man with experience leaves with the money, and the man with the money leaves with an experience."

Any lenders you’ve had a great (or not-so-great) experience with?

Focus on smaller single-family homes, condos with low HOA fees, or multi-family properties in these regions, and build a reliable local team of agents, property managers, and other professionals to ensure a smooth investing experience.

I'd love to connect and always free to answer any questions! 

I’m interested in connecting with investors who want to explore remote investment opportunities (internationally), especially in Europe, and specifically in the Netherlands.I firmly believe that collaboration and the exchange of experiences can lead to great results for everyone.

The student also got great experience and was able to stay in the deal over the long haul.