Not sure what new tax laws bring to the table.

You won't be sitting on a table with someone to duke it out.

For a $450,000 property with a 6.625% interest rate, the principal reduction over 5 years can be calculated using an amortization formula, revealing a significant amount of equity built through loan paydown alone.Take a look at the table below.

idk, i feel like there are necessary details missing here. but i'm also wondering if it would make sense to just reallocate the percentages based on what each person is bringing to the table. it would've been easier if you did have an LLC whose operating agreement you could just change. there's also the 'lazy' 1031 or 'reverse' 1031 where you just make the sale, then strategize with your cpa on how to offset the cap gains for that year. also worth noting: 1/3 of something is better than all of nothing. it sounds like it's not really that partnerships aren't working, it's moreso that you feel like your % is no longer fair? 

I look forward to what y'all bring to the table.

No matter who it is, It's going to come down to how strong the deal is; bring a good deal to the table and the money will come.

On the roulette table I win 25k if black comes out. 

I have reserved a table at BJ’s (5037 S Padre Island Dr, Corpus Christi, TX 78411) for 2pm.

if the deal still pencils with multiple strategies & you're planning to hold it long term, 20k over (in a higher cost market especially) will probably be chump change down the line. in general, it's good to not miss out on a deal just because you want a homerun deal. taking base hits get us further than waiting around for home runs. just keep in mind that if you have to come to the table with an extra 20k down (which you probably will bc the bank will only lend on the appraised value or PP whichever is lower), and you have to sell for some reason soon, you're probably losing that 20k. a risk you may be down to take if you really know your numbers, have multiple backup plans, and are in it for the long haul!

Usually it's somewhere between 10-20% you need to bring to the table, plus points/fees.