If the tenant doesn't already have a wall mount I tell them that I will purchase it for them as a move in gift. 

Home Depot was easy to work with and they ended up lowering their initial price for my kitchen from 2900 to 2100 and gave me a $200 Home Depot gift card for the number of problems we had with missing parts.

I don't like the terms and would try to avoid.We could still do a conventional loan and if I'm not mistaken it'd be this whole "gift money" thing so the shared ownership wouldn't be recognized legally.

Big 3 is an intricate part of the history. 

Not so much in actual terms of the deal (although that can be intricate also) but for the effects on the seller and/or their portfolio.

Let me share my story.As the title suggests, I received a house as a gift from my father-in-law upon getting married.

Their real target is executive compensation disguised as interest-free loans and large family gifts disguised as interest-free loans.

I am paying them 500 a month untill i pay them off. 2 years max.that is why i am looking at refinacingYou can look into a creative method called Gift of Equity.

Most people lack the money for a down payment, and their personality tells them if they do have some extra money spend it on a good time, beer, a vacation, new skis, a gift for junior, etc...

Integrity goes a long way.You can also give a very generous closing gift, offer additional information/services post-closing, and/or offer a rebate for a portion of your commission at/near closing time.