Plus if you only pay a couple of bucks you can "gift" the book to another entrepreneur.  

Fannie Mae or Freddie Mac, you are allowed to have a non-occupant co-borrower, or you can still get a gift?

Remember real estate is a gift that can keep giving years after you sold it.Split Notes - explain to the owner some of the benefit of seller financing - delayed capital gains payments - that you can split notes - that is if seller takes back $100,000 mortgage - he can have 4 $25,000 notes that he can use as down payment for other real estate, sell one if he needs the money, keep them for the interest payments - give one away to a kid going to college or use one or more in a real estate trade.Sellers are concerned in getting paid - give the seller 12 post dated checks for the monthly payments.

Also, be aware, gifts aren't allowed for investment properties.   

I'll occasionally send her a little "bonus" out of the blue and of course a holiday bonus/gift. 

My thought was that I'd essentially buy my brother and father out by having my father gift me the equity in the home.

I realized that a lot of the clients do not live close by or even in the state and would need someone to care for their property.I decided to start offering small services that would be just for the Airbnb such as supplying toiletries (toilet paper, paper towels, soap, shampoo etc), welcoming gifts for guests, meeting the guests to deliver the keys to them, and also lock out service in case the guest loses their key.We realized the demand was high and decided to add on more services.

Please allow me to simplify.Depending on where your equity position stands a year from now, a gift of equity from family (like, say, an uncle... you) could solve the down payment problem while avoiding PMI.

Secondly, typically the funds for the down payment need to be your own, or gifted, and you typically have to state this either in the loan documents or affidavits that you have to sign at closing.

The bank won't accept my 401K because of the cash-out options, nor accept gift/borrowed funds.