Owner becomes the bank — negotiate rate, term, and structure.
Seller carries a note (often 10–30% of purchase) at negotiated terms. Reduces cash needed, blends down cost of capital, aligns seller with post-close performance.
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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.
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.
Use HELOC as checking account to compress mortgage payoff.