I was fortunate my parents could loan me $25k at 8%. for legal purposes we structured it has a gift.

You have to be related or in some kind of romantic partnership for the bank to accept part of the down payment from another person.

Gift them some or all of the down payment and set up a 50/50 partnership agreement.

This third party would act more as a personal loan rather than a straight up gift.

If you want to help them out, give them a gift from your personal account on their Birthday or Christmas.

One of the endorsements I recall that Proper has that CBIZ does not is: Proper's coverage includes if you gift alcohol to your guests, or if previous guests left alcohol behind - I believe other policies will not cover liability pertaining to alcohol, but Proper does.  

You will receive 3 free gifts and the upgrade discount.

Am I foolish for looking a gift horse in the mouth or am I dodging a bullet?

There are different types of trusts that accomplish differing objectives.A few examples of trusts:- asset protection- land trusts for privacy- estate planning trusts- sheltering wealth transfer taxes- trusts that can shelter or reduce state income tax exposure- trusts that can hold membership or limited partnership interests and provide income, estate, gift, and GST tax protection- etc.

I watched my dad get laid off just so the companies could save money and watched my mom get excited for $.50 raises like it was a gift from God.