Quote from @Christian Styles: testing testing testing testing testing.

We are retired and have no plans to work (other than work from home).Budget is around $700K with about 3000 sqft, preferably ranch style.

So it would be fine to add her to the title of your new property.I agree with @Christian Styles, no need to mess with a gift at all. 

There are exceptions, and some investors have succeeded with Airbnb style rentals in Santa Fe that can be very lucrative when rented consistently.

My cleaning style takes time.

Quote from @Christian Styles: How weird.I would have a straightforward conversation with him.

You don't know how many times I coul get conventional loan in this way.In my case, my actual DTI is very low, but the way the gov calculated the income is so 1990-style that it doesn't reflect our true buying power.

@Christian Styles, I appreciate the conformation to my exact thoughts👍🏻.

Market is priced based on auction style, so a lousy house can be sold higher than a good home sometimes depending on seasonality and availability of buyers. 

Quote from @Christian Styles: Hey Luis!