Coop Board Personal Loan vs Gift

Hi All, I was hoping you could give me some advice. My wife and I are purchasing a co-op in Queens. We are putting 20% down using our own cash, and we will have about 3 months of bills left overpost-closing. Our debt/income ratio will only be 24% (much lower than what the Board allows). The only thing against us is that we do not have the post-closing liquidity that the Board wants, which is 24 months of maintenance + mortgage. This works out to about $50k. My inlaws have agreed to temporarily allow us to keep $50k in the bank so that we can pass the co-op board process, but I was wondering if you thought a personal loan or a gift would be better?