Or if he's not trying to be charitable, have him refi and pull his money back out while cash flowing and do this all over again in a few months!

Take advantage of all available tax deductions.There are many great tax credits such as charitable contribution credits, green tax credits, real estate tax and employment tax credits.

The charitable giving will keep his NI down for years along with depreciation and interest expense.  

The overall impression I got from others was that it would be better to either establish a non-profit or to go the traditional route and pair it with charitable donations on the side.  

In October, he quietly merged his charitable arm (Musk Foundation), founded in 2001 in California, with a newly created entity in Austin.Dec 15, 2020from observer.com

I find this post on BP to be confusing as this is not a website for sharing ideas on how to be charitable to others, which sounds like your biggest motivation based on your post.All that being said, the details you have provided appear to me that you would be taking on potentially significant risk.

If they want to give $200 to a local charitable organization, my company will match their donation, dollar for dollar, so they can give twice as much.

What are their charitable contributions?

What are their charitable contributions to society?

I am still capable of working at my job, and I can keep growing my portfolio, so I'm now focused on growing it to a point that will allow me to give $XXXX to charitable organizations.