If you give someone over 19% membership interest in the deal, the bank will usually require a personal guarantee from that individual. 

I put 20% down using personal and private lending.How did you add value to the deal?

I know lots of installers don't do it, and I personally prefer the unimpeded look, but anything installed outside of the requirements of the material is probably going to be limited, i.e. the insurance company is not going to pay you because the material was not installed according to flooring requirements. 

Quote from @Daron Williams: I just invested in a tax deed here in texas it was a beautiful lot right on lake sam rayburn. i have it on the market for sale the only problem is you have to have two lots to build on.. i found the person that owns the lot to the right of me and there willing to possibly sale there lot the only problem is i dont have the money or the credit  to purchase it.

The person who comes into money but not a lot of experience in real estate should be a little more cautious right now.So overall, I am not saying - do not buy, I am saying be careful.

I'm also starting off my own personal investment property journey with my husband. 

I get that you are from there so you are getting emotional and taking my comments personal, which were not my intentions. 

Maybe we can help a lot of people on this Bigger Pockets platform.So if you are an experienced investor, flipper, or buy and hold person?

I leveraged my owned land to build my personal home.

This will increase the return above what can be obtained on a passive investment.The flipside of having the power to control everything is that it can be alot of work (and a full-time job if a person is putting in sweat equity).