Use your brains, use your muscles, use whatever gifts you have - it will come to you.

So find a FHA lender with no "overlays" for the most flexible options.FHA does allow a "significant other" to gift their partner funds to buy a home for downpayment and closing costs.  

Had I paid $300 for the faucet or received it as a gift, his cost to me would have not changed.  

When you get money from your own network does that not count as a gift that you will need to pay tax of 50% on?

I want to run the real estate and help my family invest from a gift from grandpa as well as open a sport fishing business so you never actually retire they say haha.

Or sending out quarterly surveys to all tenants with gift card incentives for them to complete the surveys would be a direct independent way to find out how the PM is doing and what kind of experience tenants are having.

So, splitting the difference and having them bring in $2500, even if they actually do have it, is not an option.Jon,Was the buyer allow to have a gift in that scenario?

Your mom could gift you a percentage of the property each year worth just under max tax free gift limit. house is worth 150k so that could work.Is that a decent option?

Things that I am concerned about:I want this to be a loan and not something the IRS will try to tax me on.I have heard that if it is a gift I will be able to use the money right away for mortgages.

I help clients who've just bought a house make their own tool bags or I gift them one as a closing gift.