He's quite gifted in creative finance.

Hello Everyone,My parents are getting out of the property rental business and want to gift my wife and I a house in Independence, MO.

They will also allow gift letters, where some of the down payment can come from a relative.

Just be yourself and trust that gift.

You can ask the seller to include it in the sale, or you can talk to your real estate agent about buying it as a closing gift.

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.There is a case going on at this time filed in Collier County.

I have a partner that was into marketing/ collecting for years and has a gift in cold calling.

If they sell it to you subject to the existing loan balance, then it could be viewed as them gifting you $20K. 

So this would be... philanthropic.

fha first time buyer with 3.5% down. you can use your funds, retirement account or get a gift from family or close friend. thats how i started. best of luck