No co mingling. They have been very careful about that as have our other children. My D works for a divorce attorney so she well aware of what can happen down the line if funds are comingled. Our children are fortunate to have been gifted some money over the years by generous relatives. All done within IRS guidelines. My H is extremely cautious about doing all gifting within legal limits.
The loan amount isn’t substantial (under 10,000) and we are happy to just gift the money but they want to pay it back. @BunsenBurner my H thought we would need to charge interest.
We are not worried about the money we are loaning them. We can afford to not get it back. We also are not pushing our opinions on them. They have asked for help and advice at each step of the way. We have stayed out of dealing with the agent, loan broker and lender. We feel it is a learning experience for them. Our business is development and property management so we have quite a bit of first hand experience in buying and selling real estate. Our D trusts are opinion and would not have entered into a contract using her money without consulting us. While the money is hers to use as she wishes she respects that it was gifted to her over the years by relatives for her future investments not for frivolous purchases.
The key point we are trying to do is protect her down payment. The money to us isn’t a primary concern.