BUT you can also never count out all possibilities so I’ll never fully take it off the table.

But I also wash or sanitize my hands before and after each signing appointment, and I wipe down everything that comes out of my bag at the table with disinfectant wipes at the beginning of the appointment (so my phone, my stamp, the pens, my keys, etc).

Yes, I'll have two share the profit with them but they'll bring more than their fair share to the table.

Save money to have money, and if you’re using other people’s, focus on bringing something to the table.

@Nick Hawkins it sounds like the purchase and sales agreement is wrong, The way the lender is looking at it, PP is 125k and your relative is bring 30k to the closing table, The sales agreement should have been for 160k, with 30k gift. your relative will have to pay recapture of depreciation and capital gains tax plus excess gift tax unless a couple owns it.

I really like that plan but, to me, it seems like the numbers are expecting my mother and I to bring the $30k to the table at closing, which I can’t do.In my mind, using round numbers, the sale price would be $155k minus the $30k gift of equity down payment for a mortgage on the remaining $125k.This is the response I got:The 30K is not in cash it has already been paid and is equity.

I really like that plan but, to me, it seems like the numbers are expecting my mother and I to bring the $30k to the table at closing, which I can’t do.In my mind, using round numbers, the sale price would be $155k minus the $30k gift of equity down payment for a mortgage on the remaining $125k.This is the response I got:The 30K is not in cash it has already been paid and is equity.

Although as I said, that's bringing a lot to the table.

At the same time, there is another very unique trend going on that had been present in the past as well - Mass Migration.

We are having difficulty though because New Mexico is a non-disclosure state and both properties are fairly unique for the neighborhoods.