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The property that required a 20 percent down payment out of your pocket or the one that required nothing out of your pocket? 11. 100 Percent Financing A variation of nothing down is 100 percent financing.

When we see this we know we have very astute sellers who know they will receive a higher return on their equity if they carry the financing on the sale of their property than if they take cash and put the cash in the bank. (See Chapter 9, for an example of the startling difference.)
We might instead have a worried seller who has to sell the property and is willing to finance the sale rather than lose all the equity. Either way, 100 percent financing is something you need to check out. This is one of those phrases that we never pass up when we encounter it. One thing to look out for when you see 100 percent financing is a property that will go with VA financing.
This means the seller will cooperate with a VA buyer, and the property may qualify for a VA-guaranteed loan from a real estate lender. A veteran has to qualify for the loan. Although there is no down payment, this is not seller financing. 12. Motivated Seller A motivated seller is the right seller. As a real estate investor, you are looking for motivated sellers.