Is that correct, if so, is there a creative way around it?

I've researched as much as I can it time for me to get off the jon..........I have down-payment but I keep seeing terms like "creative financing".

Credit score is over 720.We are interested in figuring out creative ways to fund our new collective property in Hawaii.

For example, charging an extra $100 or so per month, to be allowed to have pets.Ultimately, its up to you to decide whether you feel comfortable with tenants having pets in your properties, and as far the policies you implement, it all depends on how creative you want to get.

My specialties are foreclosure investing, short sales, short sale outsourcing in Florida, creative use of land trusts and lease option programs.

However, I appreciate your critical eye as it helps me truly think "creatively".I'd like to be able to give the partner a good deal, even if it's unfair for me.

FInd something with a sfh with maybe an adu on the property and rent out both or get creative.

Any suggestions for creative ways to get around putting the entire 20% down or other ways to cut costs in an internal deal? 

I know a lot of people use creative financing and buy properties with no or very less money down.If there are people here who can help me out reach this goal by guiding me, it will be a huge favor. 

Cool idea, people are getting so creative with different options in SD.