Gifting equity in a house may be more trouble than it is worth if you are not near the life-time exclusion1) Potentially having to get the property appraised everytime an equity is gifted2) Having a title company update the title every time3) Exemption of the gift tax return is normally for cash gifts below the annual gift tax exclusion, you may still need to file if you gift non-cash4) If there is partial ownership over several years, having to properly pro-rate certain items such as real estate taxes, mortgage interest and rental income if the property is a rentalBest of luck 

I hope you all don't think I was trying to steal or be immoral in any way :( That is never my intention!

That would have been known up front if that was the original loan product being used.  

However, evaluating your sentiment (and your wife's) on that will be important. 

Any advice would be helpful?

Never let the Realtor be a barrier.

But it doesn't have to be that way. 

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

My biggest conundrum now is I want to be my own GC because even when I play with smaller numbers they’re still out of reach for me to be able to attain this goal and afford the monthly mortgage with taxes and insurance.

I am curious to learn from others as well  :)