Maybe HOA fees or other fees.Realistically, if you want to do this with none of your own cash, you're either going to need to borrow some money from another source (HELOC, unsecured loan, credit cards) or you're going to have to buy at an even lower price in order to get more cash from the loan.

If a seller accepts a letter from the bank that the buyer has "over 120K worth of funds available unsecured" then it is a cash dealIf a seller accepts a buyers dad's account image and a letter saying "Junior can buy a house with this if he wants"If a seller accepts "IOU 120K cash at closing" it is a cash offer.The financing contingency falls under how @Mark Gallagher says.Just my 2 cents.

Using a credit card may be better in some ways because at least it is unsecured debt. 

Non USPS items are delivered to the addressee's  front door (which has unsecured access),  Thanks for the question.

Further, an opened notice from the DMV in this tenant's name related to driving under the influence of alcohol was on the floor, and an unsecured Smith and Wesson handgun was sitting on the bedside table.

That would be just as big a mistake on their part as it was for you to lend on an unsecured basis.    

Unsecured loans cannot be used for down payments.

Sorry; they left the front door unlocked and while the place was unsecured all remaining items were stolen.Although your tenants have TOLD you to use the security deposit for damages (and did they pay rent this month?)

It wrecked me at the time mentally since I'd never so much as paid a late fee on anything the first 35 years of my life, but in hindsight it was smart having that money unsecured. 

@Juan AlvarezGo out and get an unsecured business line of credit before you need it.