The secret is where the money comes from. The money is going to the lender and will be on the Hud. I agree with that. My point was that I had to make a contribution under the sellers name into escrow via a blank check or a check with the sellers name on it. The check could not have my name on it. The money was not going to the seller to keep. There was only 1 lender because the seller put down 20%. We were the second buyers for this deal and that’s why we knew what the BPO had come in at. While under contract with the first buyer they tried to counter out the contribution to the bank from seller. I think that’s why the deal fell out.