when you transfer it to yourself is it considered a gift, or a sale/ purchase?

Her house is on 10 acres of land that were gifted to her from my father and mother-in-law.

Aaron - yes that’s google analytics - it’s intricate but once you figure out digital marketing - it will be the gift that keeps on giving.

Listening to bigger pockets these past three years gave us the gift of being able to think outside the box in different situations and we are so grateful! 

it is the folks over using credit cards for dinners and gifts and vacations, student loans, etc. 

The 3.5% has to be your funds or a gift can you call a family member and get some help?

To avoid doing the right thing and paying the realtors less than $10k, he is opening himself up to gift taxes (at 55%) and title problems for you.  

I agree with concerns with collateralization, but to me the bigger issue is limits on distribution of assets section: no "distributions of Borrower's assets--or make any advance, directly or indirectly by way of loan, gift, bonus or otherwise to owner, partner or employees". 

I would use some of the cash earned early on to take vacations, weekend getaways, or small gifts where she could see the benefits it could bring.

No parental subsidies or gifts here, unfortunately.