The client can distribute proceeds through a private agreement without involving the title.

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

Feel free to reach out and we can chat about private lending.

Maybe he's talking about a private money lender??

Raising your credit score will get you far better rates personally as well as with private lenders for your LLC. 

Also, if this is something that you are looking for in a hard money lender, you might want to look into more of a private money lending model verse anything else. 

Here are a few strategies to consider for funding a down payment:Partnering: Like Gregory mentioned, finding a partner who can contribute to the down payment in exchange for equity or a profit share is a solid option.HELOC or Cash-Out Refi: If you have equity in your home or another property, a home equity line of credit (HELOC) or cash-out refinance can provide the funds you need.Private Money: Reach out to friends, family, or private investors who may be interested in lending you the down payment with a promissory note.Seller Second: In some cases, the seller might agree to finance a portion of the down payment as a second mortgage.Live Frugally and Save: It takes time, but reducing expenses and setting aside funds from your income is a tried-and-true method.The right approach depends on your situation and deal structure, but a mix of creativity and resourcefulness can go a long way.

I used to provide detailed answers to DMs, which are private and help only the requester.

First, let's be very clear here.The mortgage your speaking of is a private agreement between the seller and the lender.

Quote from @Collin Luckett: I have a couple houses I’d like to put under contract as fix and flips and would like to you private money lenders to help fund.