<prompt> Human: Of course I would do it in a roundabout way- a short term loan from elsewhere, to be quickly repaid by the above method. My point is that I cant be the only one who has difficulty pulling together a lump sum cash downpayment- are there any legal ways to buy a house with zero down pmt? not counting grants and programs, Ive already searched for for that in my area.edit- thx for the feedback so far. I should clarify that I am super frugal, do not have a spending problem, and in fact my question is for a plan to buy a 2nd house for revenue therefore I should have no problem making payments. I do make good money but there is a killer deal that Im drooling about jumping on- I realize I sound super impatient and even irresponsible, but its just a reflection of how badly I want this.edit 2- another way to phrase the same question: what is the difference between someone who buckled down and paid down debts aggressively and therefore is cash poor- thats me vs someone who is carrying a heavier debt load but is flush with cash? I would have thought that 1 is better, but many of my observations here today seem to penalize that ethic. This is what I dont understand.  <response>: Legally, I have no idea. But in reality, its not going to work because the bank is going to notice youre not meeting the requirements of the loan approval. Edit: This is also what people used to do during the bubble... the 8020 loan was a little bit of insanity that is virtually non-existent today. 