@Olecia Williams Though it's still possible to purchase a second/vacation home with only 10% down, it may not be your best option. 

Unfortunately, this reassessment is unavoidable, so you’ll need to evaluate whether transferring the property is worth the potential tax increase.If a Transfer Is Not Feasible:If the potential property tax increase makes the transfer impractical, an alternative option is for your father-in-law to secure a Home Equity Line of Credit (HELOC) on the property.

Another option is moving out of your place and doing a house hack.

Also, explore creative financing options like seller financing or private loans to reduce upfront capital needs.

Alternatively, if anyone has a good deal analyzer spreadsheet for seller financing options or the sub-to strategy, I would be interested in seeing those to incorporate with my existing analysis spreadsheet. 

I'm looking to identify a builder with the following characteristics:1) Eager to grow his/her company and reputation in the market2) Has produced at least five high quality builds in Arizona which are at least 4K sq ft  3) Has proven track record of completing builds in a timely manner4) Personal capital to allocate to projects (optional, but ideal)Please reach out to me if you or someone you know might fit these criteria. are you set that you want luxury?

I'm trying to see what are my options as to how could I structure a deal for the renovation of this project and the potential partnership when it’s completed .

Louis, Memphis, and Birmingham offer a good balance of affordability and rental demand, while online platforms, auctions, and networking with local agents can help you find undervalued properties.

They are also based in the US so this is a good option for many. 

Voluntary compliance may be the safest path forward, but every business must weigh its options carefully.To learn more, visit FinCEN’s official Beneficial Ownership Information page: www.fincen.gov/boiDon’t wait for last-minute surprises.