You phrased your question like the founder takes 20% of their own equity off the table. That's why people responding negatively. Committed founders would inves

You phrased your question like the founder takes 20% of their own equity off the table. That's why people responding negatively. Committed founders would invest their own money and work for free (or minimum salary), and use that $100K to pay company expenses/salaries. Investing $100K for 20% in pre-seed company is possible if it's dillutable. Take into account that proper priced rounds require lawyers. A much better aproach would be to sell SAFE.