@Tim ZozI see him post a lot about infinite banking on YouTube.

This list includes a few:Lucid Motors with 2,200 jobsSilicon Valley Bank with 300 jobsRaytheon Missile Systems with 1,000 jobs in Southern ArizonaMicrosoft Datacenters with 1,100 direct and indirect jobsCarMax with 430 jobsInfosys with more than 1,000 jobsAnd Hopebridge Therapy Centers with 650 jobsOn behalf of the Arizona investing community, I invite you to plan a visit here and see what's going on for yourself!

I do have money for a down payment, but I fail to see how I could make this work?

My below recommendation is something I'd do only if I had these things in order...But what I would do is put that money into lead generation dollars through Google PPC to generate new seller leads.I'd then close these deals and either assign the contract to a cash buyer OR novate the property on the MLS with the help of a local agent.After that when you have some good coin in the bank you can explore more investment options at your disposal.And just so you know -- I consider myself someone very low on the industry totem pole due to my small amount of experience. 

As lenders, well issue a prequal/preapproval letter if we've analyzed your income, assets (bank and brokerage statements to establish that you have the liquidity to afford the down payment, closing costs, and reserves), review credit of the guarantors, review the relevant experience to ensure that we're not throwing our money away on newbies that are wandering around in the dark, and have put together a reasonable plan of attack for the project.

. #2 avoid sowing seeds of failure in the good times - Many investors fail due to investing in prosperous markets.

You can get the $20k from the bank day in and day out.

He buys bulk lots of houses at tax auctions, buys from failed hedge funds, picks up a whole slew of houses for 1 million, and sorts it out afterwards.  

So far I keep hearing about Titan and Solera banks but they only offer checking with no interest. 

I have a clause in the lease that says the security deposit will be held in so and so bank with so and so address and interest rate will be xyz.