Lenders want you to have some "skin" in the game.  

You are taking all of the risk in this transaction - 100% owner financing for your buyer, no skin in the game on a turn key investment.

You need a seller who has capacity, powers and authority to pass marketable title.Judges hate intermediaries unless they have skin in the game or are a licensed professional fiduciary.Did you check for equity?

there was the case in Washington with Joe Kaiser. who got under the skin of the WA AG and they went to war and guess who won that battle.. these folks now probably learned their craft from Joe and or are disciples of his.. like the hooked on overages folks in the mid west.But I have seen folks get some decent paydays but if your not set up with full blown accurant skip tracing a bull dog on the phone and then know how to maneuver a hostile county tax collector its a waste of money.

You need thick skin in RE.A mentor who has a mentor means you may have selected someone who should not be teaching anything unless it's free, depends on what they are being mentored in.

Utilize private money lenders until you can refinance the properties with the local bank mentioned above.etc..There are many ways to skin this cat, just need to figure out which works best for the situation based on Time, Cost, Ease, Speed, etc.

The lender will indeed want to make sure that YOU have skin in the game, and bear in mind if you put less than 20% down there is likely to be required mortgage insurance on the loan which is an additional payment on top of your principal and interest.Having said all that, you DO have options for buying that duplex, especially if have people like your mom who willing to lend you that money for the deal, but I highly recommend talking with a seasoned mortgage professional here on BP to get the specifics and someone who will shoot you straight about it.Lots of people get started investing partnering with parents.

____________________________________OPTION 2Some of my other brokers in Georgia who specialize in high end properties for over 20 years do it this way.They have a typical marketing package built into their business.If the seller demands anything above that which they usually do then the broker does this.Tell the seller that they can pay for the advertising and keep the proof of receipt and payment and at closing the broker will give a credit off of their commission at closing.This makes the seller put skin in the game.If they truly believe in their price to put money on the line they will do it.

We closed by the skin of our teeth.

. - Some Capital: My current W-2 thankfully allows me to save at the rate of $2300/month, so depending on the deal, I may be able to contribute some from that standpoint to have skin in the game.