How to use gift money
A few month ago, I was going to buy a move-in ready rental property with the help of my parents lending me $10,000, but 2 different lenders said I could not use gift money due to the government guidelines. (Money can't randomly appear in my bank account, all big deposits have to be traceable, ordinary, and reflect my financial situation).
Could I have just not told my lender that I was using gift money?
How would I use gift money or a private loan to purchase rental properties?