Being a newbie, I think I wrestle with knowing basically what I want to ask, but struggling to articulate it or think of the questions below surface level.That said, in your examples, I'm initially considering something closer to option 2: equal split, both people involved day to day. 

-Be able to articulate what sets you (and your company) apart from other agents.  

Thanks again Bill.I wasn't feeling I need a carrot ... was just trying to understand how you were articulating the handling of late fees an/or a stepped interest rate.I'm not so much skittish over motivating the borrower as I am undecided if this is the best use of capital ... so I guess it is me, I am trying to motivate ... which is a strong indicator.I do not believe our interest rates are going to move much in three years, so I would set it at 9 - 10% (the BoC 5yr rate +3.5 - 4.5%) and leave it there; the more I think about annual adjustments, the less I think it is worth the effort.The threshold for criminal usury in Canada is 60% {all fees and charges are counted as interest on the original principal}.

This also might get the lender to throw their hat in the ring, even if they are not going to proceed with a foreclosure, most lenders will take a swing at trying to collect money through Assignment of Leases and Rents which is contained in most loan documents.Essentially what I trying to articulate is find a reason to force your HOA to deal with this.

This is 100% subjective so it's hard to articulate how to defend the fact that they simply don't like it & don't want it nearby.

You claim to be aware of examples, are clearly willing to come back and respond numerous times to this thread, but for some odd reason don't seem able to actually articulate any of them. 

Just trying my best to articulate the context and put it into action).

@Jeremiah Maughan couldnt agree more...I just don't have the time or GAS to articulate it as well as you.

Here's the kicker: Know how to honestly analyze the potential partner, as well as articulate the interest in the property.

appreciate the review.What i was saying or trying to articulate was...Say the investors put 10% into the project at the time of purchase.