How do I pay the down payment with OPM?

[Sasha Friedman]

I'm looking to make an offer on an apartment building. I don't have the money for a down payment ($900k). Where would I go to find investors? The return would be 12%. I tried calling a hard money lender, who told me that I would need "skin in the game" - at least 20%, which I can't do at this point. 

I would also need a sponsor for the credit (700+ FICO). Thank you!