Use RedGriffaee rent agreement route with minimum fees if you have someone at home with a house and no taxable income..
Alternatively, lots of circulating sources already stated by experts..
Lots of gyan and more to add: A story:
A guy walks into a hotel and asks to check the room before he can commit the room night. Hotel manager asks for a 1k deposit and allows him to check the rooms. While he goes to check, the hotel manager takes the 1k and rushes next door to pay the laundry bill. The laundry guy takes the 1k and pays the restaurant where he ate the night before. The restaurant guy goes to the prostitute whom he owed 1k for the previous night and the prostitute comes and pays the hotel manager for the room used 2 weeks before! Just in meantime, the guy who had gone to check the room comes back disappointed, takes his 1k back and walk away!
Everyone is debt free and sometimes, if planned well, this is the beauty of money circulation!
But, I agree... don't circulate for financial need - it's like the frog who was put in cold water and doesn't realise till the water is hot life threatening! It's always a killer!