I had the initial call with a PadSplit sales person, but I wanted to talk to somebody who's actually doing it to get their perspective and advice.

Personal loan for renovations How did you add value to the deal?

If so, I'd consider those options first as they fit in the infinite banking concept.

I've personally utilized private notes on three transactions and participated in another handful of negotiations with sellers on behalf of buyers in the past five years. 

@Pranita Maldikar Unless the seller is a family member or personal friend, I'm not sure why you'd want to put that much money down on the property.

As mentioned, we "openly and notoriously" record the deed for the world to see so there is no hiding things from the bank (which could be construed as fraud not to mention poses many other risks for creditor liens, etc.) 

I can think of a few BP-specific cases where the ability to delete a post makes sense:Noobs don't usually get the '@' feature right the first time, so I am constantly seeing double-posts so that they can properly call out the person.  

While I am not banking on it I do think with inflation will come rent increases that will help hedge against it. 

If you wanted to fund a portion of the down payment would you suggest a hard money lender, personal loan, etc.?

No talking to will fix a person raised to live like a pig.