He was paid 1/3 cash before beginning, plus the gift card for expenses.

If the funds you receive are not a gift, you will have a violation of most lenders' guidelines on conforming or government mortgage products.

I use them right away to avoid any risks of buying gift cards. 

If you set it up with advice on here I would be less confident.At a minimum you could add separation in your "Asset" LLC but putting each property in their own LLC owned by a parent LLC but that only provides you with as much protection as the rest of the structure.if you are doing this with your brother one begs the question whether the transfer of assets into another person's name causes gift or income tax consequences... 

They are "plodders"; workhorses that offer few surprises or bursts of energy.Here is a gift; 1528 Glendale in Columbia.

If she is always paying by the end of the month, you have essentially gifted a month's rent to her.

From the time we both start down different paths, to the time of payoff, both of us are getting the same appreciation, so the only difference between paying off the mortgage early and not, is you are "buying" your equity...I'm having it gifted to me by my tenant....and have a higher cash flow adding up while my tenant buys my property for me.In summary, both of us get the same appreciated equity.  

Build a relationship with the recruiters and they should gift you withe MTR tenants consistently. 

For what it's worth, it's also my birthday and I was hoping to give myself a wonderful gift.

Yes, tenants will pay for vacations, cars, booze, smokes, and Christmas gifts with rent money and then expect you to wait 4 months while they play catch up.I had someone one time who made 6x the monthly rent, but their debt to income ratio was 45% and they had multiple late pays and several delinquent accounts.