If you're using a Quitclaim Deed to transfer a property in an arms length transfer, I bet the local government would frown on that and they wouldn't be collecting a transfer tax.

In general, loans that are not government backed (so excluding conventional home loans and some education loans) make sense to payoff rather than attempt to achieve a better return via an investment.Good luck

Disqualified investors similar to IRA's is the governing rule.   

My good friend has been having trouble getting a government backed loan due to debt/income ratio.

Government bond interest rates are the zero risk, zero hassle, liquid alternative.

We are receiving absolutely no government help and we are having a hard time paying rent each month or to even keep food in the fridge.

But if they did, it should be a pretty easy arbitration to "win".Details at https://www.nar.realtor/about-nar/governing-documents/code-of-ethics/ethics-complaints-arbitration-requests-and-related-information

(I will note that it is easier to qualify but with all the dumb government requirements, the paperwork is what gets cumbersome.)The more cashflowing properties you have, the LESS risk you have. 

A lot of my clients applied for and received Obamacare subsidies, only to learn at tax time that they did not qualify and now have to repay thousands of dollars for what they thought was a cheap government insurance.A popular alternative to traditional health insurance is a ministry-sponsored health-cost sharing plans.

Gosh, I feel the yoke of government oppression weighing heavily on me, don't you?