Roofstock should at least send Jason a holiday gift basket, like a few bottles of wine + dried fruits&nuts tray.

I send all my tenants holiday cards with a gift card (if they've been good tenants).

@Michael Clark, The gift that the IRS takes back - that's depreciation recapture. 

I'm waiting to do it as a Christmas gift.

For those without your gift or skills, which I think is most people, a free and clear primary residence is a fine goal.

The bank will question where the money came from, and we will have exposure to gift tax/exclusion reporting.

I usually take my Chase card and buy HD cards at staples so I get 5X for every dollar I spend and than just use those until I'm low and go back and buy more gift cards ...

Plenty of people go through a 4 year degree with little to no debt: grants, scholarships, family gifts, part-time jobs, fellowships, etc.Second: if you can't even complete a year of college, what makes you think you can do the hard work necessary to be successful at real estate?

That can be something like an AMEX or Home Depot gift card.- Make sure you're doing an aggressive open house schedule.  

Sometimes down payments can be "gifted," but you're right, the more leveraged you are overall, the weaker the loan profile is in the eyes of the underwriter.