Pornstache has a deep little pocket of the abyss of the lake of fire waiting for him.For the last ten years, I have yet to meet a single HVAC trainee, tech, or business owner who could control his sick and twisted greed, who didn't think a cold snap was a personal gift from the divine straight to him, a license to charge the earth for his services. 

@Bill Baldwin  do you know any good local CPA/Attorney who can discuss (in english and charge by hour) rules and ways to optimize around gifts/inheritance taxes for Japanese citizens?

Another option would be for each party to gift each other somehow (we've known each other for years and have full trust) - a quick deed and a cash gift. 

Engage them with a contest like a chance to win movie tickets, or a gift card to a local eatery. 

Are they teh best option NO, if you have or can save money or get a gift from family they are not the best option. 

It wasn't an article I had read - it was a website with Robert Kiyosaki doing the talking. www.richdadeducation.com/gift.

We just needed had to have the person who gifted us the money write a letter to the bank explaining the money was a gift and that they understand the money was a gift and they were not looking to any repayment on the money.

I agreed again, but when I took this idea to the bank they shut me down and said it was a gift and the bank doesn't work with gifts...

@Dan Collins  Guidelines for your loan scenario:-Down Payment and Qualifying Ratio Requirements for Manually Underwritten Loans For manually underwritten loans, if the income of a guarantor, co-signer, or non-occupant borrower is used for qualifying purposes, the occupying borrower(s) must make the first 5% of the down payment from their own funds unless: the LTV or CLTV ratio is less than or equal to 80%; or the occupying borrower is purchasing a one-unit principal residence and meets the requirements to use gifts, donated grant funds, or funds received from an employer to pay for some or all of the borrower’s minimum contribution.

Sending post cards, volunteering, free dinner vouchers, Gift card sign ups, offers for analysis for tax reasons are all solid ways to grab people interested in your product.