@Aaron Harren, consider private lending.

@Basit Siddiqi I could be going a bit askew with this.The obligation stems from an investor agreement whereby the funds the investor is giving to the nonprofit are primarily used for the real estate investment - They are not in whole a donation, I don't think it is a loan really either - it is still an investment into the syndication. 

Even if you had a super rich family member or a (private Money Lender), they should charge you something for lending the money to finance your "deal" even if it's 1% I wish the damn gurus would change course and tell you that you "Can" start in this business with very little money (wholesaling) but to outright LIE and say you need no money?

Would hate you to be the one that gets caught.Seems like if you don't have the money for a second down payment then there isn't much you can do unless the deal is good enough for a hard money lender to lend to.

I've found a lot of newer people will be more accepted in the Multi Family world because it's a team sport and if you can bring value to a team who does syndication or a 506(C) or (B) raise you can learn a lot and its quite lucrative. 

@Adam Rapoport a hard money lender is usually referred to as a company that pools private money together to lend.

Generally, if 0% interest is not intended, then parents will recognize interest income on lending. 

However, it seems like the commercial loan lending terms we are getting are giving us an interest rate that is very high and erodes into our returns greatly.

Face it, you're down the wrong trail and have been voted off the island.EVERYTHING in mortgage lending has to be honest, without manipulation and disclosed to every party.

I use an app called ICBA in order to pull up local community banks (often portfolio lenders) that can be flexible on down payment requirements and lending terms.