Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Buying a home with down payment from family as a “loan”
In effect, you are paying for 70% of the house but he gets half the gain. On the flip side, you're living there, so that probably makes up this difference.  It will be toughest if the house jumps in value, to the point you might be forced to sell.  You might want to think about that a bit.