(you have 20k in equity from downpayment and it is generating positive cash so he could just wait until the positive cash is enough to pay you the other 6k).That is like me asking you to put down the 20k and get the property up and running.

Both of us can invest the money that would be tied up in equity at a very high rate of return.Therefore, we would lose money if we owned our residences.

I suppose for the last bit of clarity, and I do enjoy the debate, explain where the additional risk in debt comes from in contrast to the lack of risk in equity.

I believe the father might have 100k in equity.

I think it will be more of a fix and rent as there will only be about $10-15k in equity after repairs but the going rent in the area for the purchase price is pretty stellar.

Now as far as the 52k in equity that is floating around.

Perhaps a different percentage in equity or maybe target probates or mortgage lates.

Offer stake in equity equal to the amount of down payment (so in this scenario 75% equity, which sounds crazy to me).

****check FHFA.gov *****It's getting harder to find sweet deals and with low interest rates and a good cashflow you can make thousands in equity just by not selling.

I have been paying down the mortgage as much as I can over the years and now have only $19,000 left and about $100,000 in equity.