In the olden days, when a couple wanted to buy a home, they saved for a downpayment, and qualified for a mortgage on their own. Occasionally, they would get a gift from a family member, but it was generally a nominal amount. This all changed post pandemic when house prices accelerated exponentially and people became fearful of never being able to buy a home. We began to see purchasers adding multiple family members to mortgage applications just to qualify for their mortgage. In some cases, M...