I spent two straight weeks reading this forum.

Quicken wasn't going to cut it for him. 

if you share a home with your parents and wife, your income (and your wife's) should be able to go a bit further than if you were single or the two of your lived on your own.You were able to save enough money for a down payment on your current home, so do a quick check of your finances and see if you can earn extra income or cut expenses to save for a rental. 

They're not the straight A kids with their noses in the books and a drive (whether internal or from mom) to be on top but they're not the flunkies either. 

@Sam Collins most brokerages will let you do a personal transaction as an exempt transaction, but if you make a business out of it then most likely they will want a cut of the brokerage side. 

or am I just financing straight $180,000?

Then the audio was cut.

But to those that want straight to the point in your face 100% facts and uncensored... it is very helpful.

Hi Jean,Stock it with fish and have fun fishing all summer.Plant wild rice and maybe Ducks will show up--beautiful creatures to watch, and some people hunt them.Build a dock and toss in a small row boat....for romantic evening rides and something for the kids to play with.[1]>>> Have it tested for chemicals...some of these ponds have a years of farm runoff in them--pesticides and manure--it would be a shame if it's toxic.[2]>>> See if the sides go straight down (like a farmer scraped it out for whatever reason) and it would be dangerous vs. like a beach.Good Luck!

The advantage of not having her own the property is if down the road she needs care it is income to her and not a straight asset.