She provided me incorrect information and my 6% locked rate ended up closing at 9.99%.

I  have a detailed reply above that explains it and provides the code citation to read as well

And that is the reason why a LIRP can provide much more retirement income.You don't pay interest on the loans and the death benefit pays off the loans when you die.

Very few non-owner occupied property policies guarantee full replacement cost - they typically provide replacement cost up to the dwelling limit purchased. 

Provide a detailed accounting of deductions, along with the invoices, to show you’re acting in good faith.

Selling at FMV avoids the gift tax but provides your child with a higher tax basis, reducing their future capital gains liability.A better strategy for selling below FMV is to sell the house at FMV on an installment note, then forgive interest and principal annually up to the gift tax exclusion amount.

We found that two key factors significantly helped us succeed with our short-term rental (STR): using NightlyPricer instead of AirDNA and opting for Safely Insurance.NightlyPricer: Rather than relying on AirDNA, we chose Nightly Pricer, which provides more dynamic, real-time adjustments based on demand, local events, and market trends.

Is her goal to be nice and provide some of the gains or reduce her taxes by trying to split income between her and her ex?

I am not a tax professional trying to sell you my services I am simply providing my perspective. 

Or paying off my debt, while I provide them with a nice house to live in instead of an apartment.