We many clients that have different advantages and plans for investing based on their unique situations. 

Every path in RE is unique.

@Gary ParilisThere is nothing particularly wrong with your logic, but the table you have provided is the wrong set of numbers. 

(I’m not being rhetorical - what is each person’s responsibility/what are they bringing to the table.

But these are a couple unique ones that we've been struggling with.Tony

You don't want to get caught short after doing all the work only to find your ARV was overly optimistic and you need to come to the table with funds you don't have to refinance.Best of luck.  

I brought market knowledge and access to the table and we talked off and on for a couple months bouncing ideas and strategies off one another, sharing deals and leads.It wasn't till some months later i got a random text from one of them saying "hey have you ever thought about partnering up and making a real go at this?" 

They're called portfolio loans because the lender typically keeps them in their own portfolio and doesn't sell them on the secondary market, which means they are unique product offerings specific to that bank and don't have to conform to Fannie/Freddie rules.

If you insist on exclusively going this route, you should connect with a local investor who will let you either shadow them or partner with you on a deal- but you'd need to bring something to the table, either cash or free labor. 

I have a 4 property portfolio property consisting of a bed and breakfast and 3 homes which have been vacation rentals. It’s located on a quaint island in Chesapeake Bay. I need to sell due to son’s health issues. It i...