Credit utilization rate is the largest contributing factor to credit. 

Is your partner a silent partner only contributing money?

These are:- Contributions - what is each person adding to the deal (@Tom S. flagged this immediately). 

Future contributions to this investment will be redirected to Vanguard Lifestrategy Conservative Growth Inv unless you change your investment selection no later than the close of trading one business day prior to this date"All savvy members that can share good knowledge and feedback on this we welcome you.

The sale of your relinquished property with a seller carry back note can be done a number of ways: 1) You can contribute out-of-pocket cash into the closing and then the seller carry back note can be drafted in your name. 

I personally don’t want to contribute to such an organization.

So even with gift letters, the bank will only loan what I contributed myself.

In my 4-plex, the tenants are going to be asked to contribute to the water bill. 

There appears to be a lot of factors that are currently (and have been) contributing to the high demand for houses and the lack of inventory, such as rock bottom interest rates, the pandemic encouraging people to move from the cities and purchase homes, etc.

This could come from a mix of additional capital contributed by me and also a construction loan.