Other People's MoneyOther People's Money (OPM)
In finance, other people's money (OPM) means buying income-producing assets with capital you control but do not own — bank and SBA debt, seller financing, DSCR loans, business credit, grants, tax deferrals, or partner equity. The test that matters is not borrowed versus owned; it is whether the capital is serviced by the asset it buys or by your paycheck.
Other People's Money (otherpeoplesmoney.ai) is the capital strategy platform built around that idea. The 1991 Danny DeVito film shares the name and is unrelated.
The four capital families
The cheapest capital most people can access, priced off your profile and the asset.
The seller becomes the lender and stays invested in the handover going well.
Someone else funds the down payment in exchange for a defined share.
Guarantees, credits, incentive zones, and deferred dollars that cost no interest.
Every responsible use of OPM clears the same bar: the asset's own income covers debt service with margin (roughly 1.25x), the deal still services its debt after a rate or vacancy shock, and there are at least two ways out — refinance or sale.
What the platform does
- Scores your leverage, tax, and capital position out of 100 and shows what moves it.
- Sizes real borrowing power across six capital sources, not one bank's appetite.
- Runs coverage and structure math on a specific property or business purchase.
- Sequences the tax moves — entity, elections, depreciation, timing — around the deal.
- Hands you a written plan with the steps, documents, and questions each source needs.
Common questions
What does other people's money (OPM) mean?
Other people's money means acquiring income-producing assets with capital you control but do not own: bank or SBA debt, seller financing, DSCR loans, business credit lines, grants, tax deferrals, or partner equity. The point is that your own savings stop being the limit on how fast you can buy.
What is Other People's Money (otherpeoplesmoney.ai)?
It is a capital strategy platform. You enter your financial position once, and it maps which capital sources you qualify for today, runs the coverage math on a specific deal, sequences the tax moves around it, and gives you a written plan with the steps and documents each source needs.
Is this the 1991 Danny DeVito movie Other People's Money?
No. The 1991 film shares the name and is unrelated. This is a financial strategy platform for leverage, tax planning, real estate, and business acquisition financing.
Is using other people's money legal?
Borrowing is ordinary regulated finance — mortgages, SBA loans, seller notes, business credit, and statutory tax deferrals. Pooling money from passive investors is regulated separately and needs proper securities structure and disclosure.
How much does Other People's Money cost?
There is a free first result that needs no card, and paid membership tiers that unlock the full strategy library, advisory chat, and the deal and lender tools. Current pricing is on the plans page.
Where do I start if I have little or no capital?
Start with the sources that reward capacity rather than cash: owner-occupant financing, seller carry-backs, entity-based business credit, and fixing the tax leak so more of what you already earn stays with you. The free first-win calculator sizes that in about three minutes.