Pay earnest money, closing costs, or seller with a card at 2.9% fee.
Plastiq, Melio, and similar rails let you charge a credit card and pay the recipient by ACH/check — including earnest money, closing costs, or in some cases seller/lender-approved down-payment portions. Fee is ~2.9%. Combined with a 0% intro APR card, effectively finances the down payment interest-free for 12–18 months. Ideal for short-hold flips, BRRRR refis, and wholesale assignments where you exit before promo ends.
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.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay estimated taxes, tuition, and munis by card to hit SUBs and status.