Now that said that can be all your funds, down payment assistance from approved Down Payment Assistance source such as your county, State, City Housing Assistance or gift from a relative.

Unfortunately, I don't know how to leverage the 28K I get as a gift every year into getting a loan.

That all I said, appreciation is a gift from the Gods.

Gift card?

Whatever "gift" he offers you - take it!

-buy cabinet doors bumpers. gift to neighboor and tenant-alternative option: buy a 1/2 box of donuts. talk with building engineer (@John Anderson: the shortest path between point A and B is a straight line. going to HOA (as you know already) is the 1,000 miles path)

Seeing the smile on someones face after they receive a gift or something of value is absolutely priceless.Earlier this year, I was fortunate to receive a property from a distressed seller from out state for ZERO dollars.That is correct.

My source of funds are taking withdrawals of ROTH contributions (last choice) or using part of a large monetary gift that my parents are going to be gifting to me as part of their estate planning.

Even with "gift funds" the 30 or so banks I called wouldn't even consider me.start small and work your way up.

From the intricate details of your design to budget complications, getting it right requires effective communication.