OnDeck / Bluevine / Fundbox term loans — legal SBA down-payment source (when disclosed).
SBA rules require the 10% equity injection to come from acquirer's own resources — but unsecured business term loans (OnDeck, Bluevine, Bank of America Business Advantage, Fundbox) are permitted when fully disclosed on the SBA Form 1919 and the loan terms don't create a repayment burden that breaks DSCR. Effective ceiling: 50–75% of the injection can come from these lines. Rest must be true cash or ROBS.
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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.