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I have done a lot of Googling on this but I am still unclear on exactly how it works. Specifically, Let's say someone gives you or "invests" 200K on a 500K property and you take out a 300K mortgage. How does the bank handle this transaction? How does the money change hands? Normally, if someone gave you a "gift" of 200K for a down payment, you'd get taxed on it...Sorry if this seems dense, I just don't really get the logistics. Thanks!