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Hey @Sam Malone and welcome to BP!

I'm no big agency person, I just have one house but a first generation immigrant, this is my American dream.

Im looking for the best option without getting hit by uncle sams gift tax.Any input helps!

Not to mention, at some point (gov't programs) you have Uncle Sam backstopping you! 

The gubmint would never tell all those registered voters and their registered-voter relatives that, oops, sorry, they were now on the hook for housing expenses for someone else.Uncle Sam just does that to landlords in times of crisis.

Hi Sam, Recommendations are key, but be sure to at least shop that lender with at least one other. 

@Nicholas Morgan  There are only two options: either Americans (particularly younger Americans) are suffering from major mental issues or ESAs are a major scam.

Originally posted by @Sam Shueh:In our area SFBA it has been a sellers market for decades.  

With a lower percentage of consumers stashing cash in March than the first two months of the year, the question of whether the end of the pandemic is in sight may be playing a role in how people are moving their money.But perhaps the horrors of last March — cue empty toilet paper aisle flashbacks — and fear of the unknown still to come inspired better savings habits than March 2020.More than 1,000 Americans are surveyed monthly for our Savings Index, and here’s what we learned this time around.Key findingsCash windfalls meet pandemic fatigueGen Z eyes the future, but lives in the nowMillennials want a house, while baby boomers want a housesitterMethodologyKey findingsWhile many consumers await tax refunds and economic impact payments, fewer saved money in March than in the first two months of 2021.