You don’t want to trigger 1099ks? Use zelle.

https://www.zellepay.com/faq/does-zelle-report-how-much-money-i-receive-irs

It will, as long as it exceeds the threshold for the year. It will trigger an automatic 1099k. It’s up to you when filing your tax return to “label” it as rent payment.

But venmo will supply a copy of 1099k to the irs and the girlfriend.

Plus the $600 threshold applies in 2026.

2025 is $2,500.

He’s worth $45m him and his family will live a comfortable life in Japan without YouTube.