I also think some people are better gifted or faster learners so it would depend on the individual how much training he/she needs.

Six months plus of free rent is a "gift", you should treat it as such, you've effectively traded your good credit for rent & a "get out of jail free" card on the house deal that didn't go your way.I'd be sure and have an attorney look over whatever agreement you signed to stay in the property after the BK - & also verify that the foreclosure hasn't taken place.

We have friends that work in the gift shop or oversee the computers in Yellowstone for free motorhome space.

Thanks.Of gift

Are they thinking of selling, reinvesting, gifting...? 

Or she could look into getting a FHA loan and you could “gift” her the down payment. 

But... it occurred to me... that I can gift him (currently) $16k/year tax free, which comes out to about $1300/mo.

You can get 100% financing on FHA with a seller contribution of 6% and a gift from a relative for the rest of the closing costs.

My lender had suggested I receive a gift for the down payment.

However, I can say that the amount she can gift you is limited to 14k per year.