Bank provides 75%; seller carries the 20% down.
Bank funds first-lien (75% LTV). Seller carries a second mortgage for 15–20% of price. Buyer brings 5% or less. Common in business + RE acquisitions. Lender must approve the second (some SBA rules restrict standby period).
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.
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.