In this case, would he actually need to pay any money for the down payment, or does it basically cancel out in the debit/credit line items?

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or, do you cash flow only after you've set aside money for capex and other items? 

Give me money so I can prove some guy on BiggerPockets wrong? 

You can attend all the REIAs and read all the books and sign up for all the conferences, and spend all the money, and you are will never really know you can do it until you do.Over 20 years in real estate in various forms and roles, action will beat out intelligence or education or even network 100% of the time.  

There are less expensive hard money lenders out there. 

Not sure how much money % I can save if I do it myself too? 

Might have a tenant that will sign a ten year lease and drop some money into the space.

If you needed the money ASAP that won't be super beneficial. 

The only thing we can think of is he deals with a lot of international trade and money and maybe it’s OFAC we just get a scripted message every time we talk to someone so we got lawyers involved.