Bobby, the accredited investor standard was set in 1933 then revised in 1982 to the current 1 million net worth or 300k married amounts, but to adjust for inflation they should be re-set to 3.2 million and around 700k, which would help to weed out a lot of the inexperienced investors, who as Ruth from "Ozark" would say "don't know **** about f$%k!"

Most people will tell you that your second choice can't be done, but the IRS has issued two (2) Private Letter Rulings on point where they did allow the taxpayer to build on property they already owned through a 1031 Exchange. 

A couple years later I married her.  

We are a bit confused with the deposit and earnest deposit.We’re not in a rush or married to this home.

Having to buy another primary residence, to avoid tax on the gain of your current home, has not been a requirement for over 20 years.Assuming it was your primary residence from the beginning, and you have not moved out/rented it for more than 3 years, you gain is exempt up to $250k filing single and $500k married/filing jointly.

Real estate will skyrocket once fed lowers rates...Real estate will skyrocket because XYZ is building a new factoryInventory all time lows - marry the home - date the rate...People either looking for clickbait or money.

Quote from @Chris Seveney: @Alicia ZhaoI agree with jayIinterest income = ordinary incomehttps://www.fidelity.com/tax-information/tax-topics/interest-income#:~:text=Most%20interest%20income%20is%20taxable,it%20or%20can%20withdraw%20it.There is a lot of different terminology used in the tax world.Interest income, for the average taxpayer, will be considered 'portfolio income'.

As saying goes you "date the rate but marry the mortgage". 

This is in-line with the wise old real estate adage of “Marry the house, date the rate.”2.

I do t what to argue the merits of the importance of title searching for title insurance I get it you love them you want to marry them they saved you money unhappy for you I have my opinion you have yours I'm just saying would you take a step back and you look at the amount of BS that they throw in there with what they're doing and the fact that they do forget who works for who it's crazy that being said I'm just wondering how long this is going to go on for every time the house sells and if you do have some of that doesn't want to sign off as is their right not to want to give off all the information especially in the climate of fraud that you talked about is there a solution