Yes, You Can Get Real 100% Financing
But here’s the catch…
Even if a lender covers 100% of your purchase and rehab costs, you’ll still need to bring another 10% to 15% to the table.
Let’s say your total project cost is $360,000.
That means you’ll need to have $36,000 to $54,000 in available funds — even with full financing.
Now imagine if your lender also requires a 10% down payment on the purchase.
That’s another $30,000 out of pocket.
Where does all this extra money go?
- Pre-closing and closing costs
- Insurance
- Monthly payments during the rehab
- Overruns and unexpected changes
- Staging and cleanup
- And more…
So, how do you actually reach 100% leverage?
It all comes down to your Money Bucket — the extra funds you can pull from when your lender won’t cover everything.
We’re talking:
- Smart lines of credit
- Strategic credit card stacking
- Real Other People’s Money (OPM)
Want to know how to build your own Money Bucket?