Each type of loan has its own features, benefits, and eligibility requirements, so it's essential to carefully evaluate your financing needs and options before choosing the most suitable loan for your commercial real estate project.https://www.amerimort.com/

Quote from @Christian Styles: testing testing testing testing testing.

We are retired and have no plans to work (other than work from home).Budget is around $700K with about 3000 sqft, preferably ranch style.

So it would be fine to add her to the title of your new property.I agree with @Christian Styles, no need to mess with a gift at all. 

Our biggest issue so far is to find a suitable property. 

There are exceptions, and some investors have succeeded with Airbnb style rentals in Santa Fe that can be very lucrative when rented consistently.

I also have a duplex coming up on the market soon that would make a suitable house hack that you might consider either financing or creative financing.

You don't know how many times I coul get conventional loan in this way.In my case, my actual DTI is very low, but the way the gov calculated the income is so 1990-style that it doesn't reflect our true buying power.

My cleaning style takes time.

The perc test has already been done so it's been deemed suitable for building.