But there will be a few obstacles to thisFirst, the first position bank will want to see you have skin in the game, so they likely won't love you putting 0% into the deal. 

The skin matters.

I think most agents who have no skin in the game would say that Keller Williams is one of, if not THE, top brokerage to get started in to get some basic experience.

My husband said I have a happy real estate glow. 

@Ashton Travis Nashville is a challenging market to flip in, so most of us who do hard money lending in this area require a higher position lien, experience in the local market, cash reserves, and some kind of skin in the game.  

@Amanda YoungShow them your track record, show them how you want to invest their money and show them what they will earn from it.Offer to secure their position with a mortgage, ideally offer some skin in the game too with you taking the first loss.    

Build up your cash reserves and qualify for funding with a soft money lending company ( or hard money if a quick deal)  that wants some "skin" in the game (some of your $20K) - and then, after a few deals, start fix and flips at that time? 

I'm not picking on you in particular, but people need to get thicker skin and stop obsessing over meaningless stupid s**t and pretending it's a game changer. 

Some places have glowing reviews about customer service and cleanliness, others are 3 stars at best.

Regarding your intent and the 2 year balloon idea, allowing them to clear the estate, and keeping it at current mortgage rate.for interest, is a legit offer, what tends to be the hang up is lately everyone in our area is wanting a sizable chunk down to show you have skin in the game.