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. 

Am absolutely excited for you.I close next week on a new purchase.My goal is to get a small apartment similar to yours next.Start search 2018 with goal of doing another close not to long, but 520 days from today is the end goal for that next purchase, sooner is preferred.Congrats again for your gift to self, way to bring in 2018!

Most likely no, unless you are A) going to a big name school; B) have a significant scholarship, are not paying for it yourself, or if it's at least just like a cheap state school; or C) have family who are going to gift you a career when you graduate.

When I graduated, I went to Miami as a graduation gift and ended up connecting with an investor from Michigan through mutual friends.

I don't know either.But regardless of the size of the cash-flow which is not huge by any stretch of imagination, just based on the numbers and at that price and providing that I can refinance the purchase quickly, the way I would look at, is almost as if the owner was gifting me the property.Would I accept property gift from anyone even if the property doesn't cashflow superbly?

The non-profit organization "gifts" the 3% to the buyer for his required down payment.

She has slowly gifted us the remaining value to avoid gift tax in case any alarms were going off for anyone!