It is the gift that keeps on giving. 

The reserve funds must be in the borrower’s account before the new VA loan closes.o Gift funds cannot be used to meet reserve requirements.• Analysis of Rental Property Incomeo Each property(ies) must have a 2-year rental history itemized on the borrower’s tax return.o Property depreciation claimed as a deduction on the tax returns may be included in effective income.o If after adding depreciation to the negative rental income, the borrower still has rental loss, the negative income should be deducted from the overall income as it reduces the borrower’s income.o If rental income will not, or cannot be used, then the full mortgage payment should be considered and reserves do not need to be considered

I say we ban anyone who copies and pastes robot answers, cluttering up storage on servers for useless word filling loren ipsum type nonense.It's worse than giving someone gift cards they will never use for their birthday.

My husband has romantic dreams of buying land for an eventual retirement home for ourselves (10-12 years for him, longer for me).

All they have to do is send 1k commitment fee to the lender in Target gift cards  :).. thats why HML / Private lenders that no one has heard of on BP get kind of a rough time at the start.

If you can gift that to your daughter she should be able to have a low enough monthly payment to afford a home, especially if she buys a duplex and rents out the other half. 

Mostly is like dad or mom bought the property, " selling " gifting it to children because they won't qualify. it also happens between couples or married couples dealing a divorce. 

Why doesnt the MIL gift us her 50% now?

Of course the best perks came with the amount of gifts we raised for the kids and few homes the humane society places some dogs in (they set up a booth at the event). 

When I have had this situation, I communicate well expressing the urgency on my part, provide access to another unit (if I have a vacancy nearby), and may give them a gift card or something for their trouble.