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

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. 

If you are willing to expand your search a little, I'd suggest more traditional vacation markets in parts of Wisconsin and MIchigan.

@John Cardinale I meant that you can use a hard money lender that offers DSCR products, as traditional lenders do.

Because unlike wholesaling traditional real estate, notes is a very small community.

@Christian Nielsen for my personal project, i am building an ADU within the structural envelope of my existing SFR. 

@Russell Brazil Or in markets that are traditionally vacation destinations.

They are typically used for transitional or value-add properties and have higher interest rates and shorter terms compared to traditional mortgages.Construction Loans: Construction loans provide financing for the ground-up construction or substantial renovation of commercial properties, such as office buildings, retail centers, or multifamily developments.

We’re one ofthe few property managers that require W-2’s and a bank statement and we go way beyond the traditional, “income must =3x rent” qualifier.Below is more information about what our Applications Department does to screen applicants and find the best tenantspossible for your property.Required InfoWe require the following from each applicant over the age of 18, that is not a dependent of anotherapplicant (as evidenced on a tax return):Copy of acceptable state picture IDRecent YTD paystubRecent W-2Recent Bank Statement, all pages, no info blacked outRecent tax return if self-employedApplicants are often slow about turning this information in, asking us why we need it and then takingseveral days to submit.

Our company had been set up by departments traditionally, that's common.