Credit-qualify to assume 2.75–4% legacy government loans — huge rate arbitrage.
VA and FHA loans are assumable by qualified buyers — take over the seller's sub-4% locked-in rate on a purchase in a 7%+ market. Assumption saves $500–$2,000/mo on a typical single-family property. VA assumptions preserve the loan; the seller's VA entitlement may be released if buyer is also a veteran. Requires assumption package through the servicer (30–90 days) and a 2nd-lien or cash to cover the equity spread above the loan balance.
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1st mortgage + HELOC 2nd + 10% down — kill PMI and preserve cash.
Buy cash, cash-out refi inside 6 months at purchase price — not appraised value.
Route earnest money and closing on 0% cards — keep reserves for lender.
Draw primary-home HELOC for investment DP; refi/pay down after stabilization.
Pledge multiple properties as one loan — unlock higher LTV on new acquisitions.
Bypass the Fannie 10-loan cap by layering Non-QM personal + DSCR LLC loans.
Kiavi / Lima One / RCN revolving facility — cheaper than one-off hard money.
Card-fund seller arrears to take deed subject-to existing sub-4% financing.