Zack wants to buy a house, but does not have enough of his own funds to cover the gap between the required down payment and the amount for which he qualifies. He notices an ad offering houses for sale with 'low down payments' and calls the number. Herbert, a mortgage investor, answers the call and tells Zack that he can advance him the required funds and register a mortgage once the title transfers. He tells Zack this is a private arrangement and not to mention it to any mortgage lenders. What is this scheme called?
1) False deposit
2) Secret second
3) Equity access
4) Debt-consolidation