12–24 month 0% on rehab materials — preserve hard-money rehab draws.
Home Depot Pro Xtra, Lowe's Business Advantage, Ferguson, and Menards offer commercial credit lines with 6–24 month 0% financing on qualifying purchases and 2–5% cashback tiers. Fund rehab materials on the card, keep hard-money rehab draws as reserves or deploy to the next deal. Combine with contractor Pro accounts for 5–10% material discounts on top.
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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.
Kiavi / Lima One / RCN revolving facility — cheaper than one-off hard money.
Card-fund seller arrears to take deed subject-to existing sub-4% financing.