That's an option, but it's the same money essentially, pay it all now, or over the next year.. 

I don't know anyone there personally doing it like we do, but it's something to consider.The other option, of course, is to just try and bump up your expected monthly cost from 10% to something like 12% - 15%.

John, most large national banks have actually very good HELOC options.

I have now secured funding as well as contractors that are ready to scale with me.

Is this the only qualifier that stands in the way between the two 1040 options?

But sometimes that isn't an option. 

I find that a lot of my bookkeeping clients do not save money for taxes, repair or event those security deposits. 

Its a nice 3/1 in denver, itll rent in a day if STR isnt an option.

So I thought to offer the option of "I will carry the remaining $10k and work out terms favorable to both of us."

The earnest money is what makes it a "secured interest" and I try to do it for the least amount possible (I've done it for $10 and/or $0).