I am interested in purchasing a single family home as an investment property. I currently do not have the 20% for the down payment buy I have excellent credit and I am interested in using a personal loan for the down payment. I understand that you cannot use borrowed money for a down payment on an investment property, but I was wondering what if you took out the loan for a vacation or something else, let it sit for 6 months or so, and use it for the 20% down payment. I understand this will affect my debt to income ratio, but as long as the numbers work will I be okay? Or does the mortgage underwriter go back and see that some of my down payment came from that personal loan? Any advice would be greatly appreciated, thank you.