Acquisition Credit strategies
18 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.
- Acquisition Credit
Piggyback 80/10/10 Loan
1st mortgage + HELOC 2nd + 10% down — kill PMI and preserve cash.
Skip PMI + free 10–15% of purchase price in reserves - Acquisition Credit
Delayed Financing Exception (Fannie Mae)
Buy cash, cash-out refi inside 6 months at purchase price — not appraised value.
Recycle 70–75% of purchase capital in <180 days - Acquisition Credit
Card-Funded EMD & Closing Costs
Route earnest money and closing on 0% cards — keep reserves for lender.
Preserve $10K–$50K of visible reserves per deal - Acquisition Credit
HELOC as Down Payment Bridge
Draw primary-home HELOC for investment DP; refi/pay down after stabilization.
Unlock $50K–$300K of revolving deal capital - Acquisition Credit
Cross-Collateralized Blanket Loan
Pledge multiple properties as one loan — unlock higher LTV on new acquisitions.
Zero-down acquisitions when portfolio equity supports it - Acquisition Credit
Non-QM Bank Statement + DSCR Entity Stacking
Bypass the Fannie 10-loan cap by layering Non-QM personal + DSCR LLC loans.
Uncap portfolio growth beyond 10 conforming loans - Acquisition Credit
Fix-and-Flip Revolving Line of Credit
Kiavi / Lima One / RCN revolving facility — cheaper than one-off hard money.
Save 2–4% per deal + 2–3 weeks per close - Acquisition Credit
Subject-To + Wrap with Card Reinstatement
Card-fund seller arrears to take deed subject-to existing sub-4% financing.
Inherit 3–4% legacy rates in an 7%+ market - Acquisition Credit
Assumable VA / FHA Loan Assumption
Credit-qualify to assume 2.75–4% legacy government loans — huge rate arbitrage.
$300–$1,500/mo cash-flow lift for 20+ years - Acquisition Credit
Renovation Credit Cards (Home Depot / Lowe's Commercial)
12–24 month 0% on rehab materials — preserve hard-money rehab draws.
Free 12–24mo financing on $20K–$150K of rehab materials - Acquisition Credit
SBA 7(a) + Seller Note + Card Stack Acquisition
90% SBA + 5% seller carry + 5% card = zero-down business acquisition.
Acquire $500K–$5M businesses with $0 personal cash - Acquisition Credit
ROBS (Rollover as Business Startup)
Fund a C-corp acquisition with 401(k)/IRA rollover — no tax, no penalty.
Deploy $50K–$500K retirement capital penalty-free - Acquisition Credit
Business Acquisition Line of Credit (Pre-Approved)
Live Oak / Huntington acquisition LOC before the LOI — close in 30 days.
5–10% purchase price discount + 60 days faster close - Acquisition Credit
Seller-Financed Earnout + Card Working-Capital Bridge
Card-fund the 60–90 day AR gap between close and first receivables cycle.
Bridge $50K–$300K of working capital at ~0% cost - Acquisition Credit
Unsecured Business Term Loans as SBA Equity Injection
OnDeck / Bluevine / Fundbox term loans — legal SBA down-payment source (when disclosed).
Reduce personal cash requirement from 10% to 2–5% - Acquisition Credit
Vendor Trade Credit Assumption at Acquisition
Inherit seller's Net-60/90 vendor terms — $50K–$500K of embedded working capital.
$50K–$500K embedded working capital preserved - Acquisition Credit
MCA-Burdened Business Refinance Arbitrage
Buy MCA-crippled businesses at 3–4x discount, refi into SBA at close.
3–5x equity IRR from purchase + refi arbitrage alone - Acquisition Credit
Equipment Sale-Leaseback at Close
Sell target's equipment to a leasing company day-of-close — fund your down payment.
Fund 50–100% of down payment from acquired equipment