As you may have noticed from this response, the DFW area is simply huge, and there isn't one answer that will suffice for all of it or even one city in most cases. 

He always knows at least one good answer.  

(this applies to you to @Jamil Hopkins)  I'll try to answer you questions in orderBanks aren't going to look at how much equity you have, just mainly your debt to income ratio.

I’m sorry if this has been answered elsewhere—but I couldn’t search for it!!

Tag me in your answers so I can respond please.

If you have to ask........the answer is NO!

I wanted to follow up on this post in hopes that I can help my fellow newbies in the area.In search for answers to this "magic formula" to get leads, I have come across some very successful people in this industry and have heard different insights on what works and what doesn't. 

But I have close to nothing to offer as collateral, and no liquidity for a down payment.I would search for an answer to this question if I could think of the right way to phrase it in a search string, it's probably a stupid question, but here goes:Would it be possible to offer something MORE secure, thus making lending to me less risky, than merely allowing them to become the 1st position lien holder?

Joel,I appreciate your answer, The intend of this office complex is medical offices, there is a Chiropractor next door and a dentist in front of the property.

@Daniel Michael KnightWhen does you salary stop becoming the only reason you get loansGreat question, salary and down payment money are really important when it comes to Fannie/Freddy loans (amongst other things, there are a couple of metrics needed to underwrite) The loan limit is 10 at the moment, so to answer your questions, when you max out your loans with conventional money.When working with local banks with portfolio loans, salary is not the ONLY reason you get loans with them: experience, net worth, equity, etc become important, and the most important I believe is relationship!