Who's asking for the down payment?

We currently accept rent from tenants using a variety of 3rd party apps-Cashapp, Venmo, Zelle but are moving away from accepting payments in our individual names and want to start accepting payments directly to the LLC/business accounts, but LLC accounts do not accept Zelle and there is a fee for using business accounts on Venmo.

I do not see why a down payment in real estate is "tricky".

Can a down payment assistance program be used with the 203k?

There are also several funds out there that provide high single digit yields that are low risk. 

After talking to another family member they said they would be willing to go in on the duplex and offered to pay the $40,000 down payment and help with any repairs but they want to be "partners" or "own" a percentage of the duplex.

Some may be comfortable with 100% crypto transactions, while others could opt for a split between cryptocurrency and cash.For sellers unwilling to receive cryptocurrency directly, the digital asset will be converted to dollars to complete the transaction.There are many ways a buyer can use crypto to make a purchase:The simplest way is a Crypto to Crypto transaction, as long as the seller accepts cryptocurrencies as payment.

The payments are super easy!

Yes you can use commission as sourced funds for down payment on a conventional loan.However some lenders have internal overlays that don't allow it.

DSCR loans are not that low and regular hard money loans will be in the double digits.