She has a charge off that expirian will not delete everywhere else deleted it so that blocked her from getting a heloc no 401k my dti is high because we used my cards What would u do in this situation?

Splitting the gift across multiple years may reduce immediate tax reporting but requires appraisals, legal documentation and proper structuring.If the house is highly appreciated, holding it for inheritance may be more tax-efficient because the recipient would receive a stepped-up basis to the FMV at the time of your passing, eliminating much of the capital gains tax liability.This post does not create a CPA-Client relationship.

My recommendation would be different if you were a high-income earner or if you wanted steady equity growth.

And therein lies the risk of high-leverage.  

I got the Discover It Secured card in high school and used that to build up my credit. 

Also, providing value to others at a high level will pay off for you in the end if you stick with it.

Cost of capital is high right now. 

Crime in Little Rock is significantly lower than most cities it's the way the city is zoned it looks high based on the old city limits and population.

Even though the nightly rate is high, the RE has such high value that the margins are fairly tight.  

Post Dodd Frank sellers have continued the same bad practice of selling houses to occupants with financing at selling prices that are way high, can't be justified via any type of 3rd party valuation (appraisal, zestimate, tax value, even recent sales in the same area).