[who_would_fardels_bear]

No need to put 0% down when you can get someone to give you a loan for 20% and not tell the bank that's lending you the other 80%.

That way you can avoid PMI.

At least that's what the scumbags did before the collapse in 2008.

[Responsibility2nd]

Only a friendly unsecured loan from a friend or relative can allow you to do that.

Mortgage underwriters will know if a down payment loan is made by another financial institution.