Talk with a Tax accountant to make sure the IRS does not view this as a taxable Gift, given this is only two years later. 

Definitely need to get the ball rolling on x-mas gifts for my contractor and his admin who are keeping this project afloat with all these challenges. 

There really isn't a park close by, but they may still appreciate the "gift" if it's in good shape.

We sent a $100 gift card.

@Megan Hodges You sign a document saying that the down payment is not borrowed funds for FHA (like most home loans), but you are allowed to be 'gifted' the down payment money from family.

There is a $5 Starbucks gift card in it for you - if your timing is right.)

In this situation, given that the primary loan isn't a gift, can we fund the delta with hard money for 3-6 months, then refi out the bridge debt into a conventional/agency loan?

It was a gift for his wife.

They’ve got quite the gift so far!

You can get up to a $10,000 gift without explanation from a person that you can apply towards your down payment in most cases Account Closed.