10% Down Loans in a Partnership

[Jarred G.]

From what I read on here the answer to my question is basically "it depends on the lender" but I wanted to start a discussion anyways. 

How are people leveraging the 10% down payments through a multi member partnership? Every lender I see requires all partners to be guarantors or all above a certain ownership % are to be guarantors on the loan. However, the wide known strategy of each partner taking advantage of a 10% down payment tells me some people are taking advantage of this. 

Are you closing in one partners name, quitclaiming to a multimember LLC afterwards?