Fund a C-corp acquisition with 401(k)/IRA rollover — no tax, no penalty.
Rollover as Business Startup (ROBS) sets up a new C-corp with a 401(k) plan, rolls existing retirement funds into the plan, and the plan buys stock in the C-corp — funding equity for a business acquisition. No early-withdrawal penalty, no income tax event. Requires strict compliance (plan admin, prohibited transactions, ongoing 5500 filings). Best paired with SBA 7(a) as the equity injection source.
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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.