This is my first time doing a cash out refinance on a property that was gifted to me after I graduated from undergrad. 

The house with a view also has a pool table and hot tub, but that's standard for the area.I'm not providing anything consumable like gift baskets or event tickets or anything like that.

If you are disorganized, have trouble keeping proper records or don't want to deal with the complexity, then an LLC is not for you and using umbrella policy is a must for you.In my case, I believe that I am borderline OCD and I love the intricate minutiae of having a very organized structure.

You are married so no gift tax.The tax code exclusion on gain on sale of primary residence is a two prong test.

I'm sure that your friends at BP will want to get you a wedding gift!

In my opinion they best gift you can provide is being a good landlord.

Hopefully you do have a mortgage or deed of trust (which ever is used in your area) filed at the county courthouse showing your loan.If they declare bankruptcy it can affect your ability to recover your money.Are you willing to consider the $110K a gift?

We all have our "gifts" for some of us our degrees are just theoretical extension others it's not!

And, no, I have no affiliations with them other than being a customer, I do not receive any kickbacks, referral fees, or even as much as a gift card for steering any business.

Do you have any one to gift the money to you?