What you’re suggesting is not cash flow, it’s return of principle, giving her her own money back  If she sells with your deal.

My current situation is that I always flip with other people’s money.

Training bizz is a HUGE money bizz..

They loved it because they got some play money right away and steady income each month without having to deal with toilets and tenants.

By using the BRRRR strategy, you only need to put down money once.

Obviously it will cost money, get some quotes.

An FHA 203(k) loan is definitely one route, but there are other ways to make it happen that might even work better depending on your situation:1.Private or Hard Money Loans: These could be a good option if you want flexibility.

The refund part is just to get you get committed to another deal that makes them even more  money than that refund.

You've earned $132,000 more by splitting your money and leveraging it.

I will add that to your question of 10% or 20%, you need to ask yourself whether you need the cashflow or not. 10% down would leave some money with which to buy more properties.