"Cross Collateralization" on personal property to increase LTV

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Hello BiggerPockets community!

I'm wondering if anyone has had experience using cross collateralization as a way to increase the LTV that the lender will finance. I've spoken with a couple lenders recently who told me that the term for placing my personal residence (single family) up as collateral for a down payment plus some cash, is "cross collateralizing". But I've also spoken with a lender who had no idea what this term meant. Red flag on the lender?