How to finance your down payment

[Brennan Davis]

So. I went into the mortgage lender at PNC today to just pick their brain about getting pre-qualified for loans towards investment properties.

Sweet lady, but hard to follow. From what I have in my notes. It appears as if the down payment for a conventional, 30 yr loan, has to come from personal finances (Money in the bank with proof of earning). I tried asking for loopholes (investor cash) but she stated that the money had to be generated through your personal income with a typical 2 year history.

But she did say, I could apply For a business loan and structure an LLC to get around having to pay that down payment out of pocket and use investor cash.

Am I asking the wrong people? Or is this correct?

Any creative ideas would be appreciated.