Legal and Practical Risks of Gifting or Transferring Down Payment Funds

You’re seeing houses sit on the market for longer. Now could be your chance to snag an underpriced rental property. But your agent doesn’t know if lowballing is the best move. Should you take advantage of this frozen housing market and go for a steep price cut, or get on the seller’s side with a slightly lower offer?

Ashley is feeling aggressive. And in this episode, she’s about to tell you why.

We’re back with another Rookie Reply where we take your questions and answer them live on the show. First, a new investor wants to partner on a short-term rental with her friend, but this multifamily deal will also serve as the friend’s primary residence. Can you legally do this? Will a bank allow both of them to be on the loan and take on the debt? Ashley has done something similar before and shares the exact setup.

An agent/investor combo has a client who wants to seriously lowball some sellers. The 2025 housing market is cooling, so is now the time to submit a rock-bottom offer? Finally, a new-build investor runs out of money and asks, “How do all these 20-year-olds buy 15 properties in a year?” Tony shares an underrated way to get capital for investments and repeat the process over and over.

Looking to invest? Need answers? Ask your question here!

In This Episode We Cover:

Why you should be submitting lowball offers on overpriced/stale listings

How to form a partnership when you and your friend are buying a rental together

Do NOT deposit a bunch of money into your partner’s account for the down payment (here’s why)

Ran out of cash but want to keep growing? Here’s how to get your investing capital 

Why you should not care about “door count” and worry much more about this

And So Much More!

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