Live Oak / Huntington acquisition LOC before the LOI — close in 30 days.
Live Oak Bank, Huntington, and top SBA lenders pre-approve qualified acquirers for a target loan amount and industry before a target is identified. Walk into LOI negotiations with proof-of-funds — sellers accept 5–10% below asking for certainty of close. Cuts SBA close time from 90+ to 30–45 days. Requires personal financial statement, industry experience, and initial credit review upfront.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
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.