Please note that since this video has been recorded, the LTVs in most states has dropped from 85% to 80%.  In some states such as Florida, Ohio, and Arizona, the LTVs are 65% for most conventional loans.  The process is still done the same except for a lower LTV.  Although it's not likely that you will use the DPA structure for a max-65% LTV loan, you can still work the same methodology for the 80% LTV loan as instructed in the video.