Also, most banks will not allow you to "borrow" your down payment, so what you would need to do is get the 50K personal loan and then have it show on your bank statements for two months (without showing the money being deposited, so in reality this could be 3 statements before you have that. 

These are NonQM loans that underwrite by using the gross cashflow (as evidenced by net deposits in your bank account or how much was reported on your 1099) and then applying an expense ratio (usually 30-70%) to determine your gross income.

The reason for this email is that we need to schedule a call with a representative about our direct deposits to our bank account, we keep having the same problem every month.

My large pizza was deposited!

The other part of what the investors that I work with are looking for is a turnkey proses.  

They stopped making the monthly interest payment ever since June 2024 and are being investigated on charges of Ponzi Scam and are not releasing investors original deposit.

Or they run a scam where they pretend to be the landlord and steal prospective tenants security deposits.

In order to get the BLOC funds deposited for me to access they require me to send $10k for fees to an escrow account. 

Also helping was a relationship with that bank (deposit accounts) and good credit. 

I have done small things like switch from glass wine cups to acryliic ones that look like glass and take a damage deposit of $250 that helps mitigate small things breaking that are over $50.