If they are coming in for a game, we have some gifts related to that game for them.

A primary home, a car etc is allowed but that is about it.I don't think you will be able to invest at all if you need Medicad to survive.Here is the Council on Agings info on how gifting your cash to the family member affects Medicaid eligibility.https://www.medicaidplanningassistance.org/gift-tax-exemptio...I hate to be such a Debbie Downer, but there are reasons why there are so many restrictions.

Your work situation sounds like a gift-wrapped opportunity in disguise. 

These would have to come from your personal funds or as a gift from a family member.

Lol this isnt a gift card..

One great way to buy from family to avoid a cash required down payment is by doing a "Gift of Equity" purchase. 

I give my tenant a gift card to a restaurant.

I'd only call on that favor in special circumstances and I'd offer to pay them for their time (like $350/hr. or a gift cert to a very fancy steakhouse), and of course I'd be there to meet them. 

If your DSCR lender does not allow for a second position, those that don't may allow you to get down payment help with an alternative way such as a gift.

I have seen a landlord that awards gift cards from home improvement stores to tenants that pay their rent on time on an annual basis!