<prompt> Human: Id like to help a family member out with their home purchase. I would like to loan the money at 0 interest if possible, but Im honestly having trouble figuring out if there is any way to do that without having to hire a CPA to manage the whole thing.Ive seen reference to an option to loan with zero interest if the loan is under 100,000 and the recipient has under 1,000 investment income. The recipient tells me they had about 1,500 income from dividends between him and his wife, so I guess thats not an option.I thought I could just write a 0 loan and call the interest a gift each year, but some articles Ive read say you can only do that if the loan is written as a demand loan. I dont like that for several reasons, including the risk that I would pass and an executor would call in that demand I considered putting in my will not to do this, but then it was never really a demand loan, and I think well get stung for that.So, am I stuck loaning at AFR, or is there a better option?  <response>: This just seems like a really bad idea. Youre not a bank, you really shouldnt get into the mortgage lending business, especially with family. 