Card-fund seller arrears to take deed subject-to existing sub-4% financing.
In a subject-to (sub-to) or wraparound (wrap) purchase, you take deed while the seller's existing low-rate mortgage stays in place. When the seller is 3–12 months behind, card-funding the reinstatement (via Plastiq to the servicer) preserves the sub-4% loan, closes the deal fast, and skips new-loan underwriting entirely. Advanced — requires DOSC (due-on-sale clause) awareness and land-trust wrapping.
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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.
Credit-qualify to assume 2.75–4% legacy government loans — huge rate arbitrage.