Rising Labor Cost, increased government spending, and prolonged housing shortages are the main pressure points.Inflation is picking up and looks to increase over the next 18 monthsa mortgage rate jump from 4 to 4.5% and 60 bucks a month to a mortgagerent increases have exceeded 3% annually over the last 4 yearslow unemployment, rising house cost up 3% over the last yeari believe this is why there is such a demand for rentals now.

Rising labor costs, increased government spending, and prolonged housing shortages are the main pressure pointsinflation is picking up and looking to increase over the next 18 monthsA half percent mortgage is increased equals about $60 per month more in a mortgageRent increases have exceeded 3% annually over the last 4 yearslow unemployment, rising house costs up 3% over the last yearI believe this is why there is such a demand for rentals now.

I don’t believe it can be both

I believe this would all be taxed at ordinary income rates since it is a distribution from our IRA (plus 10%) penalty if you have not reached retirement age (looks like retirement age since you mention RMD).   

I believe the property is titled to a living trust.I don't think the outright gift is an option but definitely worth exploring (sibling fairness dynamics).

I believe there's places to connect with such folks on the BP community.   

I am, and have always been a value add investor, and I believe that trading up properties will make you a lot wealthier over the years than a pure "buy and hold" strategy would. 

I do believe in 30 year loans as opposed to 15 year loans on short term rentals because I'd prefer to cashflow first then refi or sell within a year or two.For everyone else: What was your LTV and interest rates for your first investment property and how many banks/lenders did you talk to before finding one that best suits your situation?

I believe a lease option is used so the tenant has an opportunity to purchase the property at some specified time? 

Originally posted by @Caleb Heimsoth:I doubt you have many options to ever get that money back  True, i am in the hole :(Believe it or not, this is the second time i am taking a loan from these guys but its been terrible this time.