<prompt> Human: Hey rPF, my fiancé and I are looking to buy a house, but dont have enough to cover a down payment. My fiancés parents are willing to help us with the down payment, but want to treat it as an investment and co-buy the house with us. They want to draft a contract for the sort of return they can expect. Theyve proposed a 4 compounded annually guarantee on the 20 down they provide. In addition, they would get 20 of any profits gained at the time of selling or refinancing the house which we decided wouldnt be any more than 7 years. Can I have some guidance on this? Is this a fair deal? Are there any other factors we should think about? We wouldnt be able to afford the house without them so Im inclined to just agree. Heres our situation:Combined Income fiancé and I: 110k per yearCombined Savings: 15k1 dependent: 11moPrice of House: 500k - 600k based on location to work, daycare, friends, etc. I should note that my fiancé and I would be responsible for the monthly mortgage. Appreciate any serious advice.  <response>: This is a terrible idea. If you cant get the down payment together, you cant afford it. 4 guaranteed return?!?! Good deal for them, bad for you. What happens if you have to sell in a down market remember 2009- recently? Also, if for some reason the marriage doesnt work out youre in for an absolute nightmare. 