getting some one to lend me money

[Kenny Sibrian]

im looking at doing a few buy and holds this year and i have gone to a bank and a hard money lender locally but they both said the same thing; that i would need either more capital than what i have or have a partner fund the deal. My mom works for someone who from what she tells me is currently doing the brrrr strategy, but my question is what should i be prepared for when i ask if he wants to partner on a deal? in the role i'm considering he is the one funding the deal, but does that mean he pays for the whole purchase price or the down payment for the loan? if he were to pay the down payment/closing cost and then when i refinance the property would i pay him back the money he put in and then a little interest? who determines what the interest is? how would i bring that i want to borrow money from him with out it sounding weird or that i am just using him for his money?