Most banks require the borrower to put in the majority of their equity before the bank will pay out even a portion of the loan. This is especially true when the property value is on the higher end of the scale or the percentage of financing is high. Usually under these conditions the banks become less flexible paying out until the down payment is fully paid. This is important to keep in mind so as not to run into cash flow problems. We have seen that certain banks are more flexible with this than others and have had success negotiating in this area if necessary.