.: Quote from @Xin-Ran Jiang: But when they bring up the syndication approach of LP+GP, that they will help me raising 35% down payment from private money in exchange of 65% share of ownership, I shocked.

The law allows a private person to create a contract for a property they want to buy or sell.

I financed this deal through a private lender, which provided the flexibility and speed needed to close quickly.

Our sneaky duplex is a cozy, private guest suite tucked right inside our home.

If you want even less than that you'd need to use private money, partnerships, creative financing (owner financing, subject to, etc) for the most part

Private money How did you add value to the deal?

Does anyone have a sample HML or PML form that you have used that you can share?

I financed this deal using a combination of cash and a private lender.

Hello, I have a two-unit SFH (first floor unit & second floor unit which share a main entrance but have separate private entrances once inside the house), located in California (I know...).

You can even do private lending and get great returns.