Kiavi / Lima One / RCN revolving facility — cheaper than one-off hard money.
After 2–3 successful flips with a lender (Kiavi, Lima One, RCN Capital, Anchor Loans), qualify for a revolving line of credit ($1M–$25M) that funds acquisition + rehab on-demand at 200–400 bps below one-off hard money. No re-underwriting per deal, faster close (7–10 days), and standing appraisal panels. Requires demonstrated exit track record.
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.
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.