Route earnest money and closing on 0% cards — keep reserves for lender.
Lenders require 2–6 months of PITI in seasoned reserves. Using cash for earnest money (EMD) and closing costs depletes those reserves and can kill the loan. Instead, route EMD via title-company card acceptance or Plastiq (~2.9% fee), and put closing costs on a 0% intro card. Keeps liquid reserves visible on bank statements, satisfies lender scrutiny, and finances the soft costs interest-free for 12–18 months.
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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.
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.
Credit-qualify to assume 2.75–4% legacy government loans — huge rate arbitrage.