@Will Barnard a typical deal would be…500k purchase price 300-350k Reno (210-250k if at his cost)Holding 75k ARV 1.2M Wondering if makes sense for him to do at cost plus inject 300k cash into deal.

And he is also injecting 50pct of the cash down payment.

I'm wondering if there are any creative lending products out there for the land purchase with a lower upfront equity injection given that it would be used for investment purposes and/or as a vacation property.

I really enjoy the Poconos, made many visits to the area growing up, sounds like this will inject a lot of new business into the area and definitely something to keep an eye on.

@Derek, What if the equity is injected (there is no silent seller carry as per bank guidelines) and borrower gives a personal loan after closing and uses a PG as collateral for that personal loan?

Tarrytown, Clarksville, and Zilker are some of the most highly sought after locations but will require significant capital injection to cash flow.

Not many are building new in this climate and the cash equity players want to large of a share to inject capital.The other thing is there are so many fractured projects you can buy from banks and re-purpose for a fraction of replacement costs.Material costs are stable but labor is cheap right now for construction.In my area usually they just set up an LLC for the project with a JV equity agreement.

@Tomiko Graves I'm writing to inject a little humor into your situation but the more I think about it the more I think this may work to your advantage.

Glossing over that difference injects a lot of misunderstanding and silliness in the process.A flip renovation focuses on getting high-end finishes and touches into a project.

I would recommend taking the money as a gift and offering them a % of the rents as part of their injection of money.