Some lenders will do a 2nd, up to 89.99% loan-to-value, which in your case would be about another 122K3) You will still need to pay the remaining 10% as a down payment.

Really what I am trying to figure out is what is the ratio of value for the various things that different partners would bring to the table like: down payment, long term management, rehab labor, acting as contractor for rehab but not doing the work yourself.

Current "As Is" Value: $770,000.

How are you arriving at the $120k value?

I'm currently reading "BRRRR" by David Greene and becoming well knowledgeable within BRRRR itself. but I'm also willing to learn hands on and meet new people that I could bring value to but also bring value to myself.

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Like most things, the value of your ADU is relative to the area you’re investing in.

Sometimes making a smaller profit and providing value is far better than holding out for a bigger payday on a bad deal, I like that.

Another idea that we have been exploring is using the cash value of whole life insurance funds for emergencies. 

I find properties below market value that cash flow.