The DP funds must season with the borrower for at least 3 months and lenders don't usually allow anyone but the borrower to be on the deed.   

Solera National Bank, COFirst Western Federal Savings, SDNorth American Savings Bank, MOTitan Bank, TXThey all do non-recourse loans suitable for IRA and 401k borrowers

Maybe self employed borrowers have ups and downs year to year and that caused problems in underwriting.

@Carlin RandolphMost lenders have really tightened the belt and do not want borrower taking a second from seller or anyone else.

Borrow as much as you can!

VA Loan using myself and my wife as co-borrowers, with about 14% down.

Do they borrow more than what the purchase price of the property is?

So the next question is if you didn't have to include the loan in income when you borrowed it, should you get a deduction when you pay it back to the bank? 

Account Closed Back in my lawyer days, I helped a nonprofit try to recover $3 million "borrowed" and lost by a former CFO who had a sure-fire method of making a killing through options. 

In my opinion either way is fine, but if I were you, I'll use a chunk of my money due to your lack of experience, to save on borrowing cost and also to mitigate your exposure should you run into delays or budget overruns