Don't accept ANY partial payments.

There will be late payments and defaults etc.

As others have suggested, you could get a conventional or FHA loan if you want lower down payment options.

For us an average home is 350k 2-3 years ago monthly payment at 4% with 10% down was $1900  and now its $2500 for the same house.FL is filled with people on fixed and low income.

The payment structure with the family is also not a secret.  

Cash out should be used as a 12-24 month loan so that you can buy another property and pull cash out at the next 12th or 24th month mark.At that point you take a portion to pay off or down the first loan and use the rest as a down payment on the next REI.

Find a down payment assistance program and see what that looks like. 

Those types of properties can bring in good returns, but the management can be intensive, and finding reliable tenants for both residential and commercial spaces might take some work.

Long Term Rental.Please feel free to reach out in my dms - I'll need property address along with your debt / equity/ monthly payment information!

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.