Sorry, I didin't explain it well did I. I've used what you are talking about before for all my previous projects. I am now looking for something a little bit different where the vendor leaves some money in the property, eg 20% for 5 years, with/without interest attached. Something where I don't have to access my own equity but can use that equity to service and buy multiple properties and have multiple projects underway. As a background, I am one of the buy, add value and keep genre'. Have also done some duplex projects and kept them.