Call it greed as there is no other word for it, however, from our perspective as investors, we feel we bring some value to the table in that we are buying the property and located a buyer.

See Table 3, Ineligibility Matrix, which says Borrowers that are corporations, partnerships, syndications, or irrevocable trusts....

Bigger Pockets is single handily changing the way real estate investors communicate and share ideas by giving the everyday investor a seat at the discussion table.

Does it matter if the second party does not bring in funds but brought the deal to the table and will manage the deal during the hold period?

Leave money on the table.

So to ease of example if purchase price was 200k he would give me 20k and I would come to table with 30k giving bank the full 25% dp.

I feel much more comfortable plopping my money down on a roulette table, at least you know the odds and potential outcomes.Until the market goes back to the good ol' days where stock prices were based on the underlying fundamentals of the particular company, it seems like a waste of time and capital to me.Why not put your money into something that you can influence the performance of?

A long time ago, in a smoked filled card room off a dark alley on a back street in Vegas, a wise man said to me, "If you've been playing poker for half an hour and you still don't know who the patsy is at the table, you should stop gambling and go look in the mirror."

I guess I could have an owner finance Yes,No,Possible boxes and select one.I can see more with duplex's,tri's,and quads doing more owner finance etc.In the bigger complexes you have professional buyers that can bring a bunch of cash to the table and give guarantees etc.I guess the short answer is I have to vet the buyer before bringing a scenario like that in front of a seller.If I don't the seller will look at you like you wasted their time and you have just lost all credibility.I do agree that numbers put out there are rosy sometimes but that is the sellers doing.They often massage the numbers some without the broker knowing hoping to get a newbie or less experienced who will pay top dollar and cash them out.You know sometimes that does happen so the seller wants to take the chance.They can always go down in price later on.

So in other words, if the house would rent for $1000 per month, then the buyer's monthly payment is $1000 per month PITI.Negotiate from your side of the table, not theirs.