Beanmaestro I would be in the same camp as the others about multiple party ownership. That said, a more direct answer to your question is how to structure your ownership. You and others can own the property as joint tenants or tenants in common… etc… If you are going into a situation like you describe it would be best to structure the ownership in a manner that would be…. easier to deal with should things go wrong. That said, my advice would be to talk to a real estate attorney to find out about different ownership options. Once you see what different ownership options you have then you can talk to someone about financing based on the type of ownership.