where does some one find the down payment money on a apartment building -

How much does the owner want down? Since you don't have a job, the owner financing makes a heck of a lot of sense, most banks won't loan you money right now if you don't have a job or some other income source that can be proven. Looks to me like you've answered your own question....make sure your credit line is still active and see if that will be enough to put down. Most owners are flexible on the down payment, especially in today's market, if they are going to do owner financing. Just make sure you know what your credit line payment will be and be sure to include that in your cashflow projections on the property. If the property doesn't cashflow, just restructure the deal so that it does. Hope this helps.

Use business Lines of Credit. Use a company for this that offers a money back guarantee, and are NON-Signatory. You can get 100% financing using this method, and when the financing pays back the LOC (right away with 100% financing) you can use the LOC money on the next deal. This way you are not always searching for financing for every property you want to buy, and since you have control over the LOC, you can make instant decisions and buys.