You can have private lenders fund your deal, it's rare but I've had deals where I've funded more than 100% of the purchase price from a private lender.In terms of regular transactions though, either save up the 20% or find someone else who can bring it to the table.

It also is the least expensive of the mountain main towns in Colorado.

They're bringing the money to the table and we're bringing the sweat equity.The intention is to buy and hold rentals for "the long term" but neither party has a clear goal or timeline for selling - except that selling is most likely to happen eventually.

What does she bring to the table?

The HOA does not have a map for the proposed road (all they have is the same table of coordinates).  

Basically, I feel strongly that I left a minimum of 40k on the table.

No big syndicate deals are going to mess with you if you have no money to bring to the table.

We are happy to share our utilities bills upon request.A table of rents can be found below:RentUtilities201839531.93201939531.93202039563.87202140563.87202242063.87Regarding Unit #9:This unit was rented at $350 to the last tenant.

Are you brining anything to the table besides the financing?

Still beats bringing a large chunk of savings to the table at closing in my opinion.