Sure you can even do 100% cash and then refinance to 80-10-10. Although in both cases the rate is usually 50 bps higher, and all refinances essentially have a

Sure you can even do 100% cash and then refinance to 80-10-10. Although in both cases the rate is usually 50 bps higher, and all refinances essentially have a 1 point origination fee (this is often "baked in" so many people think it doesn't exist).