Re payment of downpayment

[Sean Illman]

Im fairly new to all this  so I could be  totally missing the point  but I  find when I people  work out the deal analysis no where does it show the repayment of their downpayment . Yes it could be cash of their own but don't you want to have least amount of your own money  not tied into the property ? 

 I know if they bought below market value can get out in re financing. Say you bought at market value do you calculate in your expenses  the re payment to your money you borrowed? If its hard money of course you must factor in. but  how does it factor into  whether  the property is worth buying?  after how many  years do you want your downpayment back in your pocket?  Say your roi per year is 10% but after u pay back yourself or hard money  for the downpayment your down to 1%  but your able to payback the downpayment in 5 years. What is proper practice?