I personally would rather just continue with the second bank, why go back to the first one.

Emphasize how this arrangement could work to their benefit, offering steady income, avoiding a traditional sale process, and giving them the freedom to move forward with their plans such as buying that sailboat and sailing around the world.If they ultimately decide they’re not interested in selling, you’re still in a great position to continue your search and buy your own property in the near future.

Inflation continues to be elevated, even if it's under the 2022 levels. 

If you continue filing taxes jointly the income you realize from your separate property will still need to be explained and redacted, regardless of the type of entity holding the real estate.

I would just continue to grind over the years until you have the ability to pay for the DP yourself. 

To get started, continue learning through podcasts like the BiggerPockets Real Estate Podcast and books like "The Book on Rental Property Investing" and "Set for Life."

I hope things continue to improve for you.

House hacking is generally not as capital intensive so you can continue to make money in stocks/index funds. 

As we wrap up the year and look ahead to 2025, the real estate market continues to present unique challenges and opportunities for investors, brokers, and lenders alike.

We have another park with a free space rent manager and as we have raised the rents he continues to live there for free.