Start with yourself. Are there any large-ticket items you can sell to raise money - such as a car you don't need or drive anymore?
Step2
Sell stocks or other collateral.
Step3
Call in loans you've made to friends and family.
Step4
Agree to a higher price for a property and have the seller credit the extra money back to you for closing costs or a down payment.
Step5
Bring in a roommate to increase your immediate cash flow. This will help with your down payment. And if the roommate plans to live in the new property as well, the rent you receive will be included in your income, helping you to qualify for a loan.
Step6
Ask friends or relatives to give you money. If they oblige you, get a letter from them stating the money is a gift and not required to be paid back.
Tips & Warnings
Always keep copies of everything that pertains to money coming into your bank or escrow account. Large amounts of money suddenly appearing without being accounted for triggers red flags with a lender.
Keep copies of all documents, such as titles to vehicles being sold, copies of checks, signed receipts for cash received, sales agreements, copies of deposits, transfer paperwork and transaction receipts and statements. Don't give the lender an opportunity to start asking questions.
Be careful if you're asking the seller to help you out. Most lenders have restrictions as to how much a seller can contribute toward closing costs or a down payment. Lenders typically allow a seller to contribute 3 to 5 percent of the purchase price; check with your lender to find out what its restrictions are before you make the deal.