Tax planning and estate planning should be done before you have kids and should be done on a regular basis throughout your lifetime. 

My logic is that the cash I am getting is tax free so these returns are the equivalent of 16 to 24 percent pretax.

The ratio at almost any of these seminars is about 40 percent Inspiration, 40 percent perspiration and 20 percent information.

To me Id rather play it “safe” and take a 5.125 percent gain on my cash while also lowering my debt.

I spent all my capital on a 20 percent down payment.

They can add you to title as long as the percent they purchase/own in the new replacement property is equal to or greater than what they sold.  

Especially if you do take out an FHA loan, the payments will still be quite large, because the LTV will be quite large, so even a quarter of a percent can make a huge difference towards affordability. 

@Tom WagnerTom, is it 3.5 FHA better than 20 percent down if you have it?

The 1 percent rule is monthly rent over purchase/all in price so down payment doesn’t affect it.

A gift above $15k per year without proper paperwork filed against her lifetime estate will result in her receiving a 55% tax bill.