Use HELOC as checking account to compress mortgage payoff.
Open a HELOC on any equity you own (home, rental). Deposit entire paycheck into HELOC (reduces daily balance), pay bills from HELOC, use lump sums to chunk down mortgage principal. Because HELOC interest is calculated daily, near-zero average balance means near-zero interest. Compresses 30-yr mortgage payoff to 7–12 years without extra payments. Requires disciplined cash flow >0.
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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.
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.