Question for Lenders

[Andrew Acuna]

I'm curious what types of things are attractive to you or would make you apt to lend to someone for less. If I were to present an awesome deal for a buy and hold 4plex with a lot of monthly cash flow why insist on 20% down? I'm most curious to know the why behind this. I understand what happened in 08, but it seems we've bounced back from that and a little give could go a long way. Thoughts?