Pledge a brokerage account instead of putting cash down — keep the market gains.
Programs at Schwab, Merrill, Morgan Stanley, and Ameriprise let you pledge 100–140% of the down payment in taxable securities as collateral for a mortgage — buying a home with ZERO cash out of pocket while your portfolio keeps compounding. No PMI, no forced liquidation, no capital-gains event. Pledged shares are released as principal is paid down.
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Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.