Limiting leverage, for any loan ever = reducing lender exposure/risk.

But I do appreciate you taking the time to explain your thought process.

But dryer lasted only for 2 months.

As for vehicle vs RE, I agree this was a vehicle but the peace of mind was unrelated. 

Hey Morgan, that’s quite the puzzle you’ve got.. but also an intriguing one!

It is only one paragraph, but in consumes the ENTIRE page because I use a HUGE font.

Selling your share at fair market value could avoid gift tax but may trigger capital gains tax for you based on the sale price and your cost basis.In California, the transfer may also trigger a property tax reassessment under Proposition 13 unless a specific exemption applies.

I ate nothing but rice and black beans and protein shakes.

Although we try to limit our Hard Money as much as possible due to the cost.

Also what does the city say is the assessed value of the property on your taxes (it will be different than the appraised value, but should give you an idea).