Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value).All other cash-out refinance eligibility requirements are met.

@Francisco Rodriguez We all are gifted with some  kind of uniqueness.

to the SMLLC away from me personally.Step 2: Conduct a 1031 exchange on the property and purchase multiple rental properties (in the 60-90k range)Step 3: In order to replace the value of my debt, enlist a service like Fund & Grow to get a loan that is 0% for 2 years.Step 4: Contribute all net proceeds from the rents, plus wedding gift money (assumed to be $50-100k) towards paying off the loan during the first 2 years.Step 5: Before the 2 years is up (and the 9-18% interest kicks in), take the remaining debt amount out from my 401k to stabilize my debt interest rate to ~6.75%Step 6: Pay off all debts over years 3-5.My concerns are;1) How hard will it be to find multiple properties in the allotted time frame of a 1031X using these services?

I would differentiate mine from the others in the neighborhood by doing something special like offer to pay for a Uhaul for a day for the move, or free TV with a one year lease contract (TV's are cheap now, but you could make it a tablet, or whatever),  or offer a one day certificate to the spa to rub out those sore muscles after the move, restaurant gift certificate, whatever appeals to you.  

I mean we all pay taxes in some form; I would rather them be used to ensure people have a home than on corporate tax breaks, billion dollar planes that don't work, a stupid racist border wall, and as a gift to Israel so it can be used to kill Palestinian children.

A sale from a father to a son may utilize a gift letter without concern as to funds transferring property in lieu of funds.If a buyer/borrower has an equitable interest in the property with the seller, different rules can apply.

Your christmas gift to yourself is the gift that keeps on giving to us. 

David clearly (from the podcast, and typically for a cop) has the gift of gab.

There are circumstances where you can get a gift of equity if you are buying from a family member.

He would come around on my birthday or on christmas and give us gifts.