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A family member is helping us with the downpayment for our new 2 family home. He basically paid half our downpayment. He doesn’t want any return in the short term and won’t be responsible for any bills or get any mortgage benefit. He wants it like a long term stock investment. But we’re stuck on how to get him back the money. Assuming the property appreciates, is there any way to return his original payment plus appreciation without him having to pay tax on ordinary income (versus a capital gains tax on real estate, which we would pay on our real estate (presumed) gain.) How could we return what may be a six figure payback (since the gift tax takes effect after $48K). Should his name be on the deed? Grateful for answers or any pointers in the right direction to a tax or legal advisor who has handled such a situation before (willing to pay for the service too.)