I would ideally like to see what would work for all parties involved, so if it sounds like something you may be interested in, send me a message and lets get it going. 

(This is known as an “opportunity cost.”)That being said, it sounds like you’ve knocked this investment out of the park.

@Jim Cummings That sounds great!

It sounds like you know exactly where you want to get to so I would stress one night just sitting down with a legal pad and at the bottom writing down where you want to be and then work from there and that is your plan.

She will call from unknown numbers and frequently sound inebriated.

But for learning sake let's say -   For example, if he wants $10,000 now then I would offer along the lines of a $70,000 wraparound only for like 3-5 years (60,000 first mortgage with 10,000 wraparound mortgage over 5 years) vs if he wants nothing down then I would consider something like the above with an interest-only wrap around.I know that was a lot, and not super specific numbers, but I would definitely be willing to dive into those numbers deeper if that logic is sound. 

Does this even sound like a good deal?

Syndicated Mortgages are getting a bad name here in Ontario, however the basic relationship structure is still sound especially for OSC 45-501 compliant investors.  

Sounds like I need to do some research. 

Your best bet is to pay down your credit card debt, it isn't sexy but paying it down gives you a guaranteed return of 15% or more depending on your rate, that sounds like a no brainier to me.