Using more of your own money decreases your liquidity, making it harder to qualify for a future loan. 

How is your credit, income, other liquid assets and how will those stand up in a year or two when complete?

Liquidity is needed to close the loan and having lots of additional liquidity may help you to get an exception, but it will not make up for experience or a low FICO entirely. 

I've just watched a fractional deal hit the skids for a $1 mil condo on Hilton Head Island after 20 years of fairly trouble-free operation. 25% owner wants to be liquid, but the partnership doesn't guarantee liquidity.

Consider liquid assets like a 401k as part of your down payment.

After we move in 4-5 years, I would rent out both units.Pros:Potential for long-term appreciation in San Diego.Cons:The property will not cash flow enough to cover the mortgage while we are living there.After we move, it would provide very low returns and minimal cash flow.Would require a significant portion of my liquidity, making it harder to invest elsewhere and grow my rental portfolio.2.

I want to invest but I don’t have any liquid cash besides what is in these accounts.

If they're looking for $10,000 seed money and you have $10,000,000 sitting around - plus the due diligence checks out (legitimate opportunity) - that's relatively low risk for a good upshot.If they're looking for $50,000 seed money and you have $75,000 liquid, absolutely not.Personal financial position, coupled with due diligence, are important.

The City can always liquidate its claims by liening the property.

I’m trying to work with a seller who deals in off-market properties, but they only accept cash or an “unrestricted line of credit” for payment.I have about $200k in liquid funds and want to invest it all, but I'm running into challenges with payment methods.