Payday: The Heist

When you play the Panic Room heist, there will be several money bundles lying around the apartment building. At the start of the heist, the game will randomly pick 12 locations for the bundles. You need to find 10 of these to get the trophy. There is a possibility of 53 spawn points for the money bundles.

This is easier to do in single-player since you have to get all 10 money bundles yourself. If another player picks up at least 3 money bundles then there isn't enough to give you the trophy. When you start the heist, kill all the thugs but don't get the key from Chavez or open the door. Once you clean up the place you can walk around looking for the money bundles without interference.

If you have reached reputation 145 you can find a crowbar in the laundry room when you play on Overkill+ 145 difficulty. With the crowbar you can open a locked door on second floor. In this room you can find 40 money bundles which are more than enough to get the trophy.

A list of all 53 possible locations of the money bundles can be seen in this link: Are there more than two? Achievement - Steam Users' Forums