We even received phone calls from clients who are begging us to at least help them get their money back or to just tell us that they are on the streets and homeless because of what Xp911 did or that they don’t have the money to even buy gifts for their kids this holiday season because they paid the upfront fee up to their last penny, with the hope of starting a business for their family’s better and brighter future.Yes, we admit that once upon a time, we’ve been a part of this scheme but things have gotten worse lately and the mental stress that we are getting from this company is also unbearable to say the least.

I believe I can get it gifted, as sort of an inheritance.

@Tyler Brown instead of receiving the rent directly, why not allow your mother-in-law to receive the rent, pay expenses, and then gift you the remainder each month or once per quarter?

Possibly have someone gift you the funds and make it a part of the deal.

Pay the $100 and give them a thank you note and gift basket for not really ripping you a new one about this.I lived in a park 5 years while saving money and building for freedom.

Cheap rate and un indexed - an amazing gift to the borrower. 

I even will give them a $20 gift card to a local restaurant every once in awhile.

However, the property is already UAG, (my father will purchase if I fail to obtain financing) so I do not have enough time for the gift funds to be seasoned in my bank acc.

Could be a reasonable gift. % of cash flows or sales profits.

Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value)."