Other people’s money includes bank money. Many of the no money down guru’s advise on ways to get a seller to jump through financing hoops. My experience is most sellers want there money but banks don’t. In other words, sellers are in the business reaping money. Banks are in the business of lending money. Sure, they want deposits but all of their loan officers, shareholders and executives want to loan money so that they can earn a rate of return. Surprisingly, it is easier to get money on large transactions than it is on small transactions. Why? The large transaction has qualities that a bank likes such as cash flow, marketability, low risk to reward ratios, multiple exit strategies, and sophisticated borrowers.HERE ARE THE TWO SECRETS TO BANK OPM: Credit Rating and Loan to Value Ratio.Your credit rating is the most essential 21st century indicator of financial success.Obtaining a property at a price that proves to a bank that you are able to be patient and acquire property at a price below market value proves the quality of investment to the bank instead of trying to prove the quality of the investor. AH