Pledge multiple properties as one loan — unlock higher LTV on new acquisitions.
Blanket loans (portfolio lenders, DSCR blankets, or bank commercial lines) let you cross-collateralize 2–20 properties under a single facility. Aggregate equity supports higher LTV on a new acquisition (often 80%+ vs 75% single-property DSCR), enables release-price clauses for individual sales, and can eliminate the down payment entirely on the next deal when portfolio equity is sufficient.
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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.
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.
Credit-qualify to assume 2.75–4% legacy government loans — huge rate arbitrage.