I'm a complete noobie, but have great credit, 5 yr job history, low dti, about $10k cash, $18k in IRA, a paid off car, and a best friend that's currently selling his first property with about $100k in equity. We're planning on partnering up, but trying to get myself more reserves. I guess it's time to get creative...

We’d like to buy into equity using commercial lending vs conformative. Does anyone have any suggestions that might help my situation?

I'm trying to think outside the box...Have you used a personal loan as down payment? Found a secured loan against your car or somehow IRA as collateral? I'm curious what paths y'all took?