I had to get a 'gift' from my mom to show 2 years of liquidity in an account, in addition to a bunch of other requirements.

, I'll just gift them with a really nice and juicy 1099 so that it screws up their tax return and other benefits income.

Does anyone send gifts to their team during the holidays?

You will also need proof of income (30 days pay stubs and generally two years of W2 or tax returns), and of course proof of assets for the down payment (generally seasoned for 60 days unless a gift).

She finally got an appointment for Nov 16th 2021, so I told her let's leave for next year than because we would be leaving the country Oct 30th for the next 4 to 5 months and I don't want anyone in the apartment while we are not there ( Due to her taking few things from my fridge last year without my permission A champne gift my wife got it and running a portable small heater in the bathroom while we were out the light bill came to about $150 every month we were out last year yes that's correct She was leaving a portable small space heater running without anyone in the house.

Those people don’t have anywhere to stay because instead of renting to them you’re giving 4 other strangers a gift. 

The only way you would be able to purchase it for a lower down payment (or a gift of equity down payment) would be if you were going to use the home as a primary residence or vacation home immediately after closing. 

Can family gift you any more?

If it's for a primary residence or second home you can use 'gift funds' from a relative or close family friend. 

📚Dan Sheeks lays the framework to FI in his new book "First to a Million"🎁This is a gift that will truly keep giving!