Options I’ve seen mentioned:Splitting the gift across multiple yearsStructuring part of it as a loan (and possibly forgiving later)Using a 529 plan contribution (not really applicable in my case but curious if relevant to others)Setting up a trust or custodial structureOr just taking the lump sum and filing the gift tax form, since it would fall under her lifetime exemption anywayThe goal is to use the money toward real estate investing—either as down payments on rentals or possibly paying off some existing debt.Has anyone here gone through something similar?

I don't think many investors look at DTI because it's less relevant.

I’m exploring optionsbif any for a personal or secured loan using my property as collateral and would love advice or referrals.Property Details:Free & clear residential lot in Durham, NC (Pinery subdivision)Includes a large shop (22×54) and a studio apartment attachedCurrent rental income: ~$2,100/month from the studioI also live on the propertyDeed in my name, inherited propertyTax value: ~$134,000My Situation:Credit: Below average, working on rebuildingIncome: No W-2 income; I can provide bank statements and rental income proofLoan Amount: Ideally $5k–$25k (flexible depending on terms)Purpose: Personal use and investment flexibilityDocuments Available: Deed, Forestar interest in purchase papers, and other relevant property documentation.Thanks

In determining whether personal services provided in connection with making property available for use by customers are significant, all of the relevant facts and circumstances shall be taken into account.

I would be up for a conversation on High end flips and what you guys are doing to keep relevant. 

That’s why those $300k single family comps you’re seeing are relevant, even if they don’t tell the whole story.That said, I’d still run the income approach in parallel.

Your focus on tech and commercial deals is super relevant—so much is changing in how properties are valued and managed.One tip from my experience: network as much as you can early on.

How to target relevant connections?

They let you appear to be operating from home IPs in the relevant state which can make things like filing, remote property management, and verifying residency lined up more smoothly.If you like, I can pull up real examples where people tried this strategy successfully and how they managed the legal and financial side.

The overall inventory has stabilized.Rental Market TrendsThe charts below are only relevant to the property profile that we target.Rentals - Median $/SF by MonthRents increased slightly in August.