@Ann Bellamy, @Max K.Max,Ann B. is a trusted colleague and Black Diamond puts on a great program.

If the property remains in your parents' name, there are mortgage programs for first time home buyers where the fees are included in the loan or even paid for by the lender. 

My mortgage broker instructed me to just present the facts in the challenge.  

Does anyone have more information about this program?

Do not do this program money hungry cons. 

Purchased the gel and roach motels on amazon, followed instructions and then never saw another one (alive) again.

Lenders have changed the way that they lend and are being more conservative in many instances to mitigate risk. shoot me a message when youre ready I'll give you the contact info to a few lenders with really strong programs s that you can start to shop them, this way when the dust settles not the pandemic you'll have a few options and new relationships.

I intend to roll out the program regardless of the tax implications, but am interested if there is something I could do in advance to best structure this. 

I've spoken with numerous hard money lenders at this point and it seems like all of them have suspended their refinance programs. 

I forget), from what I understand of the program they set up.