In your case going to a fifth unit as noted above could actually reduce the value, so I'd be cautious of that since that materially degrades their collateral.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

But if you go over, you don't actually have to pay any taxes on the gift until you go over your lifetime gift exemption which is like $13 million, which i guess the IRS tracks.

Thank you Jaron..really do appreciate the guidance and candor…I am probably not articulating the finer points well…my daughters are actually only the tennets…they are not involved in any of the potential decisions I am considering.  

You don't jump out of the plane without checking your parachute.

It is actually the only thing I do. 

I've heard of some of these, but not all of them and there are many options out there that it is helpful to hear from someone who has actually used them. 

In this case, would he actually need to pay any money for the down payment, or does it basically cancel out in the debit/credit line items?

Im currently in the process of getting it rolled into an actual mortgage since these are rentals.

However, many appraisers (and realtors, and the general population) believe that it does need a closet in order to be considered an actual bedroom - I have no clue why - it is not part of the building code!