90% SBA + 5% seller carry + 5% card = zero-down business acquisition.
SBA 7(a) permits 90% LTV on business acquisitions when the seller carries a 5% standby note (no P&I payments for 24 months) — leaving only 5% equity injection. Fund that 5% with a business unsecured term loan or 0% intro card stack. Result: acquire a $2M cash-flowing business with effectively zero out-of-pocket capital, closing on the target's own cash flow.
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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.