Just be sure to clarify that she isn’t a leaseholder but is authorized to reside in the unit.If you’re concerned about liability or want more peace of mind, you could ask the primary applicant for additional security, such as a higher deposit, depending on what’s allowed under Colorado law. 

While the borrowing costs are higher, I’m exploring strategies where the returns could offset this.

For example, if your purchase price was $300K and the FMV at gifting is $500K, the recipient's cost basis remains $300K, potentially leading to higher taxes upon sale.You and your spouse can gift up to $38K annually per recipient (under the annual exclusion) without reducing the lifetime gift exemption.

Higher interest rates are keeping some buyers out of the market so properties are sometimes sitting for longer or not getting the desired price. 

The lower the score, the higher the risk and the more we charge for a deposit.

The higher credit, higher income, gainfully employed S8 tenants are choosy about where they live and do not want to live in a bad, high crime area.By buying in an area that appeals to high quality S8 tenants, the arbitrage that you might see between S8 being higher than market might disappear.So that being said, it’s more important to lead by location than strategy.Happy to talk further if you like.  

it looks like there's a lot of development and even thought prices are a bit higher than other areas, but it seems that it's just got started. 

Hi Ofir,I personally like AL (Huntsville, Tuscaloosa) and I'd say OH markets are also popular.Also there are programs out there that can do higher LTV with no FICO.

TX market has been a popular choice for those seeking higher appreciation.

Investing in features like high-end appliances and modern designs yielded a higher ROI.