The "sweat" partner essentially then "owes" the cash partner their share of the initial cost like a loan, and that gets paid down (out of STR profits?)

A few constraints with this apart from only being able to lock the rate 5 yrs at a time is I'm finding it essentially impossible to pull any significant cash out through a refi. 

I lean towards the sides of safety and slow growth as opposed to high risk high growth.

Careful planning is essential for successful income projection, with reasonable precautions taken for cost overruns and economic slowdowns.

So now I got an agreement that essentially reflected their title co.

Essentially, it changes the nature of the deal.

Offering exceptionally cheap money and paying expenses won’t help an active flipper if you’re so conservative you’ll only loan at 50% or even 65% LTV.I believe the drop in the rates by some is simply due to a drop in demand from those who are so conservative their business has tailed off, than by a perceived safety they see in a rising market.

This essentially means you limit the redemption capacity of the investor.

For example:purchase price: 100kDP: 20K (entirely from 401k loan)Loan Amt: 80K401k loan: 30Kcontingency REI acct: 10K (balance left after DP)rental income: $1,100P&I: $360401k repayment $546= nil to slightly negative cash flow during the repayment of the 401k loan (I assume I can repay this much sooner than the term since essentially rental income would be it down.)Is it possible to "season" the 401k loan funds so that disclosure is avoided.

The safety comes from borrowing against property that generates enough income to repay the loan.page 66arFlipping and rehabbing houses are great ways to make money, but there are not many millionaire flippers or rehabbers.