Borrowers bumping up against downpayment gift limits are getting a boost from a new program that claims to provide earned income. “Now borrowers can earn their downpayment overnight,” boasts National Direct Sales in an advertisement solicitation for its DPNow program. How can borrowers do that? By selling membership in the Owner’s Alliance, an organization that bills itself on its Web site as “an organization created to promote real estate ownership, provide savings to...