I have a seller that have small loan took out last year at 6.5% and I'm trying to buy the property "subject to" and remained balance give him in cash.

This was the same guy who successively rolled outstanding car loan balances into the next loan of a high end piece of chrome (just for the status of a NEW vehicle).Today REI opportunities abound esp with 30yr term @ <5%.

With $0 balances on collection accounts, lexington law can actually challenge those tradelines with the bureaus, and almost 99% of the time, they can get them removed from their credit report (I know this, because I've personally used them myself).

In the end the balance will be about the same as I currently end up with.

We, that is us the investment group resell the homes holding the first trust deed or a land contract...The return on investment is astounding... here's and example:Purchase Price $6000Sell Price $30000Down Payment $1000 (The reason we can sell at this price is the low down and low monthly payments..Cheaper than rent)Hold note for 10 years 120 months at 11%Payment $399.48Yield 95.88% (That's unbelievable)Months until return of initial investment 12.52Total payment $47,937.60Profit $42,937.60But here's the best part..If we want we can sell the note as follows:FULL SELLYield 20%Sell price $20,671.06Discount $8,328.94Profit $15,671.06PARTIAL SELLYield 30%Months 60Sell Price $15,223.54Remaining Balance $18,142.24Total Profit $34,192.74The financing possibilities are endless...

Business partner has cash and I am wondering if we can use my credit to apply for a loan but partner's cash (can be funded to me after the closing because I have enough balance in the bank) as down payment.Has anyone done this?

You get the balance up to 75% LTV to pay off your construction bills and pocket.

@Chris Payne possible bringing in a balance sheet partner and qualify for a loan.

She has built a real estate investing business from little money to being wealthy by balancing negative and positive cashflowing properties.

The risks assumed by each aren't in balance, consideration isn't equitable.If you want to get by on the cheap, use an EM Note. :)