I've heard Piggyback loans mentioned where you finance 80% with the bank via your home mortgage, 10% via a private loan, and bring 10% cash + closing costs to the table.

You arent going to be liable for their taxes either way as they are not your employee.Anything done via profit splits and such can be as complicated as you want it to be.

@James WiseI didn't know if it was appropriate to post the name of the lender publicly, so I'm sending it via private message.ArnieEdit: Now I see no messages unless your a colleague...

It sounds like you are planning to resell via wrap to home owners/consumers, correct?  

It's a cash deal via what ever folks have in their pockets. 

I just bought my place up there and it has 5 bedrooms, separate 700 sqft game room, and an indoor lap pool.  

A good way to locate them is VIA Auctions, Direct marketing & whole salers.

If this deal fell in your lap on a Saturday morning and you had 4 hours to put a deposit down and you needed to find financing, you wouldn't do the deal because your capital partner wants $10k more than your bank does even though you know when he says "let's do it" that he will perform?

So I am very excited at the possibility of taking the money I do have and getting it to turn into more money via real-estate.

Putting a 5 year term in the contract that guarantees the mortgage will be paid via refinance or sale is also a great way to handle that objection.