Operate + option-to-buy a business — cash flow the acquisition over 3–5 years.
Master Lease Agreement (MLA) lets you take over operations of a business under a lease structure — pay the owner a monthly lease + performance kicker for 3–5 years, with an option (or obligation) to purchase at a set price. Buyer gets cash flow to build track record for SBA takeout; seller gets tax-favored income + exit certainty. Common in restaurants, motels, small franchises, self-storage.
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.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.