I recently worked with a small town bank to secure financing for a deal.

I pay mortgage, taxes, insurance, repairs, management, etc.Account B: Tenant security deposit is held separate from all other funds to ensure I don't spend it.Rent income should be more than enough to cover the mortgage so why are you putting money into the account?

He has also performed maintenance on the property without requesting or receiving  compensation.

I think the most important thing is to have a very specific agreement of the work performed for what pay and/or rent reduction. 

This choice changes the situation for the lender into an equity partnership which increases their risk, which deserves a higher reward, in equity, cashflow and sale.In any case the lender should be on title (like a bank would) to secure some or any colateral.I am a multifamily real estate business owner and not a legal expert, therefore any agreement should be drawn up and executed by an attorney specialized in your field.

What would be the best method of a loan in order to secure the down payment for the new home? 

What would be the best method of a loan in order to secure the down payment for the new home?

Consider a HELOC a credit card secured by R/E.  

I lend them money and create a note that is secured to the real estate.The money is for repairs on the RE property itself. 

It will be more challenging to secure financing, although it can be done.