Inherit seller's Net-60/90 vendor terms — $50K–$500K of embedded working capital.
Established businesses carry Net-30/60/90 payable terms with core suppliers, effectively an interest-free vendor credit line embedded in the operation. During the LOI-to-close phase, notify suppliers of the ownership change, personally guarantee (or don't, depending on relationship), and preserve the terms. Value it on the balance sheet — a $2M business with $300K of Net-60 vendor terms comes with $300K of free working capital.
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.
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.