Low Net Worth, Can I Still Purchase?
I'm a property manager and have helped landlords buy and sell properties as well as manage them (commercial and residential real estate). 

I came across the opportunity to purchase a building, looking at putting 15% down, but using an OTB of 15% and using this as the down payment, so all in all looking at 0% down.

However, my net-worth is fairly low as I'm just coming out University with student debt, I've had this come up a few times with mortgage agents, how much of a factor is this in the potential loan approval process?
[{"id": "egf6kkh", "text": "That's a huge factor. Minimum liquidity and minimum net worth thresholds are usually looked at closely. What does OTB mean?", "replies": [{"id": "egf78kf", "text": "Owner take back, meaning the seller will hold 15% mortgage and I could use this as the down payment ", "replies": [], "depth": 2}], "depth": 1}, {"id": "egf71gv", "text": "I have spent 30 years in commercial real estate, starting out as a commercial appraiser.  I doubt any commercial lender (at least a legit one) would lend money in a zero down deal to someone with essentially no assets.  Stay away from taking on more debt when you have a low net worth (I read this as little or no savings) and student loan debt.  If this is a great deal, sell it to someone else and earn a commission.  \n\nMy best advice to you is to live very, very cheaply, on a written budget, avoid more debt at all costs and pay off your student loan as quickly as possible.  ", "replies": [{"id": "egf7fug", "text": "I've brought it to a few investors who have a higher net worth than me and suggeested in also writing their name in the ownership claim. This would increase the networth of potential owners, would your reccomendation remain the same? ", "replies": [{"id": "egf9zek", "text": "So you would be partners with them - not sure what \"writing their name in the ownership claim\" means.  My husband was involved in a couple of partnerships and regretted it.  I can see 100 ways a partnership could go wrong.  If you and the more wealthy investors are all signed on a loan, each of you is responsible if one defaults.  You could be in business with the greatest guys in the world but then they get divorced, screw up paying their taxes, fall asleep at the wheel of their car &amp; kill someone etc. \n\nIf the investors are more wealthy than you, they'd want to be in control of the property.  They will make decisions (understandably) in their best interests, which may not be in your best interests.  \n\n&amp;#x200B;\n\n&amp;#x200B;\n\n&amp;#x200B;", "replies": [{"id": "egfavdz", "text": "Yeah that makes sense, I've known them for a few years but I do like all the points you make, I will proceed with caution and may just try and make a comission from this deal. \n\nI appreciate your detailed responses. ", "replies": [{"id": "egfda5t", "text": "You are welcome!  I am a huge fan of Dave Ramsey, he's had a radio show for 25 years, you should check him out.  He was a millionaire in real estate at age 28, lost it all but became a millionaire again, I think by 40 but this time debt free. He started his radio show almost by accident when he was on his way to his second million and his plan helps people with even modest incomes become debt free, you should look him up and listen to him on the radio or get his podcasts.  He of course has special expertise in real estate but he helps callers with all kinds of business questions.  ", "replies": [], "depth": 5}], "depth": 4}], "depth": 3}], "depth": 2}, {"id": "egfz2aj", "text": "Im a lender. Would not lend here. ", "replies": [], "depth": 2}], "depth": 1}, {"id": "egg6iha", "text": "You could get a sponsor or put together a syndicate. Commercial real estate is a team sport. ", "replies": [], "depth": 1}]