Loan officers are not always the most creative people, they know their guidelines and they can recite them to you.

Not sure if this applies to you but if you own that property in your name and are a foreign national then there are some specific guidelines you're going to want to be aware of if planning on doing a 1031 exchange.  

It's really starting to get scary now when many markets that use to cash flow positive no longer do, and you are almost gambling on appreciation.

A lot of secured loans can be used as downpayment as long as your DTI is still within guidelines.  

I would guess depending on the amount, that bank may or may not raise an eyebrow as to the source per federal guidelines.

However I don't see anyway around it there is absolutely no way to get above them in the SERPS and if you were to try it would cost you millions a year and it would be a gamble not a sure thing. 

Here you go:https://www.biggerpockets.com/forums/49/topics/318...CharacterCapacityCollateralI feel these are excellent guidelines to help prevent problems.Thanks @Jay Hinrichs for all your contributions to BP...

Or you could do your exchange and they could take their cash and pay their tax.There's some very strict guidelines that you'll need to be aware of and you'll have to use a qualified intermediary to document and perform the exchange.  

I believe the guidelines are it has to be your primary residence for a year.

I just need them to know I am serious about getting some information and making our HOA meet the guidelines.