Why use OPM? I don't get it.

[Lamont Marable]

I'm looking at a duplex in Indiana that @joshmatthews from Indy Urban sent over.

Quick Math:

PP - 185k

RR - 1.9 - 2.3k

taxes - 3.6k roughly

Here is my question, I can close this deal myself @ 48-50k DP but to use OPM for the downpayment at 6-8% return for 3-6 months, is it worth it?  Is it worth paying someone 8% to borrow money for a short period of time when I have the money already in the bank?  For a deal like this, how would you construst it to use OPM with a couple investors?

I was only going to do it to build trust and a track record for capital raising since this would be my first time.  

What are your thoughts?