So I am looking to complete my first deal and am in the search for a SFH. This would be the first house that I am purchasing and since I will not be living in it I will be unable to take advantage of an FHA loan. However, I have an investor who would be willing to lend me some money for the down payment so they can make a small return on on it.

This helps me out because I can stay more liquid and will help them out because they will be gaining a better rate than if the money is in a savings account etc.

Example:

$100K Property

$20k Total Downpayment

I put up $10k down, investor puts $10k down

Questions:

1. How could I structure the deal to give them a return?  They obviously would want their money back before 30 years.

2. What is a standard interest rate in this type of situation or investing in general?

2 Is this smart financially for me?  Currently have around a 110k net with around 70k being liquid.  I could afford the full down-payment but want to avoid it if possible.

Any advice would be appreciated, thanks