I've used American Thermal Window before and have been pleased.

A challenge non the less and a point noted. majority of cases though from ' i like it' to 'deal agreed' to ' sale concluded' will not be as complex as the one in your case however i think in house case specialists could be provided to clients whom red flags are pickup between the deal agreed phase to the sale concluded phase.

But if 4 people can’t come up with $80k then that’s a huge red flag...Not to mention a 4 way partnership sounds like a disaster waiting to happen...

American Legend created a new construction community of homes that rent for $3000+ a couple of years ago.

Has anyone ever heard of “Richmond American Homes” ?

It is usually restricted to releasing or conveying undivided, minor or secondary interest in real estate or for the purposes of clearing title defects or clouds on the title.Quitclaim deeds, though very useful in the elimination of title clouds or imperfections, are often considered by title insurers as "red flags" in the chains of title.Insuring A Grantee In A Quitclaim Deed Reliance on a quitclaim deed for the purpose of insuring its grantee, when the grantee has no other interest of record, may expose the Company to certain additional risks which would not arise if the instrument of conveyance had contained the normal covenants of warranty or constituted a bargain and sale deed.Do not accept a quitclaim deed in the current insured transaction in order to vest title in the proposed owner, unless (1) reliance on quitclaim deeds is customary in your jurisdiction, or (2) you receive approval from our underwriting personnel.

My question would thus be how should I provide Jon with 50% of the funds upfront completely by the book without incurring financial / tax penalties or getting flagged by the IRS? 

I know I’ve heard this can be a red flag, but I’m wondering why it would be a problem?

You have to keep in mind that 1 in 8 Americans lives in California.

Does refinancing send any flags to a bank that would cause them to deny a traditional loan shorty after the refinance?