If you do not get a gift letter from her, lenders would require those funds to be in your account for at least 60 days.

Fortunate to be a part of a project on State and Gift. 

If you want to transfer to family members, you can do an assignment of beneficial interest in the Trust, but please know this can create a gift and a considerable taxable event. 4.

This creates more strain on the STR market, but means less people are coming to spend money on food and gifts.

You can get a gift from someone close to you (most want to see it be a relative) where they write a gift letter stating that they are gifting you the money and wan't no repayment in return.

I would maybe expand your property search to more suburban markets or seek gift funds to afford a large DP. 

FDIC insured bank for a minimum of 30 days-12 months reserves required and must be in a U.S. bank-ACH auto-payment is required-No sanction listed countries allowed and will not lend in Osceola County-Cannot reside in the United States-Must have an eligible Visa: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P1, P2-No gift funds allowed

these include street smarts , Salesmanship , gift of gab , you know the kind that can sell ice to Eskimo's. 

That's probably a more practical gift, anyway.

That 31 unit deal is the gift that keeps giving and we spent 0 out of our pocket!