I look forward to learning more, meeting other local investors in the area, contributing back to BP and jumping into the game!

So on a 100k property I'm looking at about 15k down plus closing and seller contributions up to 2% towards closing.

So my question is this: I have a profit sharing account from a prior employer (which no contributions are made, just interest) and a separate one with my current employer.

For example, if you split the rehab into 3 different phases then in theory each of you would have to contribute 5k per phase. 

What you're trying to do is called a contribution of capital.  

. , who didn't really contribute to the conversation this time, but another conversation we had saved me about $3000.

These are typically 1-1.5% less than an equivalent term fixed-rate financing - either you pay the lender to hedge interest rates (fixed-rate product) or you hedge them yourself (use a variable rate, but set your payments as though you were using a fixed-rate products).If you search the forums, there are longer, more compete treatise on Canadian mortgages and strategies to which I and others have contributed in the past - I'm just never able to find them when I need to reference them (@Mindy Jensen - where's my virtual cork-board ;-) )

What will you do if Capital contributions are required but... one owner does not have any Capital. 

It would be wiser to contribute your money to a income fund with a higher return than your present  mortgage interest rate. 

I had the chance to read through some of your contribution son other posts.