Clients carrying significant debt and short on cash wanted to buy a complex multi-unit property. The capital they needed was not sitting in the bank, it was locked in three properties they already owned. Here is how one coordinated plan turned that equity into a debt payoff, a down payment, and room to keep buying.
They found a complex multi-unit property to buy, but were carrying significant debt and had little cash for a down payment. What they did have was equity in three properties they already owned.
The purchase needed commercial financing, the cash had to come from residential refinances, and the existing debt had to clear along the way. Split across separate lenders or brokers, a deal this layered stalls in the handoffs.
Three refinances and a commercial purchase ran on a single credit check and one document request, not five separate files.
Residential and commercial specialists each worked their own piece while the plan stayed coordinated under one roof.
We mapped the acquisition path with them and pointed them to their lawyer and accountant on company setup and the purchase agreement, so the structure supported the next purchase too.
If your plan, or your client's, depends on making existing properties work harder across more than one deal, talk it through with a team that runs residential and commercial together.
Start a conversationEvery situation is different. A structure like this depends on available equity, qualification on each refinance, lender review and approval on every piece, and the maximum loan-to-value each lender will allow. We arrange financing; company setup, tax, and purchase-agreement terms are matters for your lawyer and accountant. This scenario shows how we think, not a promised outcome. Information here is general and educational, not financial, legal, or lending advice, and not an offer of financing.