When it comes to funding your next residential investment property—especially if it’s a fix-and-flip, DSCR rental, or a light rehab project—your biggest hurdle might not be finding a deal. It’s often the capital: down payment, closing costs, or renovation funds. And unless you have a rich uncle or recently discovered a long-lost treasure map, you’re probably exploring creative financing strategies. Enter: 0% financing credit card stacking.

While it may not be the most traditional route (and certainly not for the faint of credit score), 0% financing credit card stacking can be a powerful tool when used responsibly and strategically.

What Is 0% Financing Credit Card Stacking?

In simple terms, it’s the process of applying for multiple 0% introductory APR credit cards— most often through a professional funding service—and stacking the approved limits together to form a usable pool of interest-free capital. That capital can then be used to cover down payments, closing costs, or even light rehab expenses.

Yes, the money is borrowed. No, it’s not evil. It’s called leverage—and investors have been using it since the wheel was invented.

Why Would a Real Estate Investor Use O% Financing Card Stacking?

1. It’s 0%—Say No More.
The obvious benefit: you’re not paying interest (typically for 12–18 months). This gives you breathing room to execute your strategy, whether you’re flipping or refinancing into long-term debt.

2. Fast Access to Capital.
Traditional financing can take weeks to secure. Credit card stacking, when executed correctly, can give you access to $50K–$150K (or more) in just a couple of weeks. No appraisals. No underwriting committee. Just fast, unsecured funding.

3. Flexibility.
Use the funds how you want—down payment, closing costs, even staging or marketing your property. Unlike hard money loans or bank financing, there are no restrictions (beyond common sense and avoiding Vegas).

4. Bridge the Gap.
If you’re using a hard money loan and need 10–20% skin in the game for down payment, stacked cards can fill that gap without bringing in a partner, selling your car or liquidating funds that incur penalties.

5. 100% Financing.                                                                                                                                                                                                                                                                                                                                                                                                                                                                          With down payment being financed with 0% financing card stacking (maybe closing costs as well) the real estate investor has effectively completed a 100% financing option which allows you to build your portfolio faster and scale your business quicker.

6. Revolving Funding.                                                                                                                                                                                                                                                                                                                                                                                                                                                                Because 0% card stacking is revolving funding, you can use the funds over and over again. Not always at 0% if you are of of the introductory period, but this can make you lots of money, having investment credit lines available.

The Fine Print (Because There’s Always Fine Print)

• Credit Matters:  0% financing can be in your personal or business name (often in both)  but You’ll need a strong personal credit profile (680+ minimum, ideally 720+).
• Discipline Required: This isn’t free money—it’s deferred interest. If you don’t pay it off within the promo period, you could face normal APRs.
• Cash Access Fee: Some cards may charge a fee to convert credit into liquid funds (a small trade-off for rapid capital).

Final Word

Used wisely, 0% financing credit card stacking can be a game-changer for real estate investors who are asset-rich but temporarily cash-poor. It’s about creating options where others see roadblocks—and giving yourself the capital you need to scale.

Just don’t tell your grandma. She still thinks credit cards are the devil.

Want help stacking your cards the smart way? Let’s talk strategy.

For more information or a free loan consultation call 888-848-3114 or click here to schedule a call.

You can also be preapproved 1n as little as 15 minutes. Click here to apply for pre approval on 0% Financing 

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FBC FUNDING Fix and Flip GAP FUNDING PROGRAMS

What is Fix and Flip Gap Funding:

FBC Funding offers fix and flip gap funding options for real estate investors. Gap funding is signature  funding that can be used for down payment and or closing costs to allow the borrower to have up 100% financing and maybe include closing costs as well. Fix and Flip Gap Funding is signature financing where the investor borrows money based on the strength of their personal credit and cash flow for term loans.

How Does Fix and Flip Gap Funding Work:

A borrower would submit an acceptable credit report within 30 days and income documentation (only necessary for the term loan option). Upon review of credit and income a preapproval is issued usually with 24 hours. Based on the preapproval for gap funding, we will issue preapproval for fix and flip funding.

On average fix and flip gap funding takes 2 to 3 weeks to fund and fix and flip funding take 3 weeks so generally we start the gap funding process before the fix and flip process so funds are available for closing.

Fix and Flip Gap Funding Options:

FBC Funding offers are 4 gap funding options: UBF, UPF, PTL, and BTL.

• UBF is Unsecured Business Funding – Usually credit cards in the business name. The business credit cards often have a zero per cent interest rate for a limited time to start. There is an unsecured business credit line for well established businesses with good net income. The unsecured business line requires a company to be in business at least 2 years.
• UPF is Unsecured Personal Funding – These are credit cards in the personal name versus the business name.
• PTL is Personal Term Loans – The personal term loans are installment loans in an investors personal name with fixed terms of up to 5 year. Unlike credit lines and credit cards that are revolving the term loans are a fixed rate for a fixed period (term) with fixed monthly payments.
• BTL is Business Term Loans – The business term loans are for up to 10 year terms based on qualifications and in the business name in business name.

How to Qualify for Fix and Flip Gap Funding:

• Credit: There is a minimum credit score of 700 for all products. The credit score is a minimum but no one qualifies solely based on credit score. The credit profile is reviewed for length of credit history, maximum credit limits, credit utilization as well as mix of credit. An investor with limited credit history, high credit utilization and minimum credit limits may not qualify regardless of credit score.
• Income: For the UBF and UPF program options there are no income questions asked. These programs are based solely on the credit profiles. For the PTL program personal income must be at least $50,000. for the BTL – business income is evaluted the last 2 to 3 years. The approval and the amount of the approval is based on the net business income (with some add backs, like depreciation). Additionally, business should show no losses in the last 2 to 3 years.
• Loan Amount: The loan amount is based on the credit profile and the income. Sometimes an investor will have a combination of programs to get the amount of money needed for fix and flip gap funding.

Steps To Qualify for Fix and Flip Gap Funding:

FBC Funding always start with a free pre approval. To be pre approved for fix and flip gap funding we need a copy of  a Tri merged (3 bureau) credit report and one months of income statements. Based on the provided information we will issue you a prequalification that will provide estimated credit limits, interest rates, loan term and costs.  Based on your acceptance of terms the fix and flip gap funding will be in your account in two to 3 weeks.

For more information call FBC Funding at 888-848-3114, email info@fbcfunding.com, or click here to schedule a free loan consultation.

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FBC Funding offers cash flow financing to experienced real estate entrepreneurs. This type of financing allows you to access capital without taking on debt or diluting your equity. No Equity Rental Funding is a great, safe and flexible financing option that can help you grow your real estate business.

Key features of No Equity Rental Funding Loans

• No debt or equity dilution. You do not have to take on any debt or give up any equity in your business.
• No Liens on your property.
• No Balloon Payments.
• No origination fees. No upfront fees associated with the No Equity Rental Funding Program
• No Appraisal
• No impact on credit score. No Credit inquiry.
• No Trade Lines on your Credit Report.
• Fast funding, you can get funded in as little as 7 days.

To qualify for No Equity Rental Funding:

• Be a real estate entrepreneur with at least 3 years of experience as investor or property manager.
• Have a minimum of $2,500 in positive monthly cash flow.
• Have an acceptable property type.
• The property or portfolio is no greater than 75% encumbered

Use No Equity Rental Funding for a variety of purposes, including:

• Buying a new property
• Making renovations
• Paying off debt
• Funding a business expansion

Acceptable Property Types for No Equity Rental Funding:

• 1-4 residential investment properties portfolios.
• 5+ Multifamily Investment properties portfolios or single properties.
• Short Term Rental Properties.
• Hotels and Motels.
• Self Storage.
• Property Managers who have successful businesses with significant Cash Flow.

Terms for No Equity Rental Funding:

• The annual financing fee is typically 10-16%.
• The term of the funding is typically 1-5 years.
• You will need to make fixed monthly payments.
• Funding is $50,000 to $2,000,000 per entity
• Available Nationwide

The No Equity Rental Loan is a great option for experienced investors or property managers who are looking for quick financing that will not tie up your property or increase your DTI or DSCR.

We can even consider the cash flow of the property being purchased if we can verify the cash flow with an accurate 12 month profit and loss statement and supporting documentation.

To learn more about the No Equity Rental Funding, call 888-848-3114

or

Click here to schedule a free loan consultation.

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FBC FUNDING offers multiple True Hard Money Loans. Each Loan has different guidelines and here are three of the programs and guidelines.

What is a True Hard Money Loan

A True Hard Money Loan is a business purpose asset based loan.  A True Hard Money Loan is based a few factors.  The first factor is the as is value of the real estate being used as collateral. The second factor based on importance, is the current cash flow of the collateral. This is followed by the credit profile and the potential future value and future cash flow of the collateral. The True Hard Money Loan places most or all emphasis on the current value and current cash flow, with little emphasis on future value, future cash flow and  borrower credit profile. Because these are riskier loans the loan to values are lower and the costs are higher. Here are guidelines for three of our True Hard Money Loan Programs.

True Hard Money Loan 1 – Business Purpose Loan

• Repayment:
  • Interest Only – for 36 months
  • Amortizing – over 36 months
  • Hybrid – interest only for 6 months the amortized over 48 moths but due in 36 (will have a 55% of principal balance due)
• Loan Term: Up to 36  months
• Pre-Payment: 12 months of interest payments
• Minimum Loan: $200,000
• Maximum Loan: $2,000,000
• Payment Frequency: Weekly (similar to MCA)
• Minimum Credit Score: 475
• Minimum Time in Business: 1 year
• Rate: Up to 36%
• Max LTV First Mortgage:
  • Residential 65% to 75%
  • Commercial 65% to 75%
  • Industrial 60% to 70%
  • Land 25% – 50%
• Max CLTV Second Mortgage:
  • Residential 60% to 70%
  • Commercial  60% to 70%
  • Industrial 50% to 60%
• Advantages:
  • All property types considered
  • Higher LTVs less closing costs equal more cash in pocket
  • Second mortgages considered
  • quick close
  • Owner Occupied property considered if used for business
• Disadvantages:
  • Higher interest rate factor and payment
  • Weekly Payments
• Docs Needed:
  • Schedule of REO
  • Last 3 Bank Statements
  • Application

True Hard Money Loan 2 – Residential and Commercial Property Loan

• Purchase or Refinance
• Loan Term: 12 to 24 Months
• Seller Carry to 100% CLTV – OK
• 50-55% LTV for Commercial Properties
• 60% LTV for Residential Properties
• Any Credit Score Qualifies
• We Require the Property to be in a Population of 35k+
• Minimum Loan $200,000
• $15 Million on Good, Clean Properties
• $3 Million Maximum on all Others
• Rates 14% and up
• Points 5% and up
• Advantages:
  • Residential and Commercial
  • Purchase and Refinance
  • 100% CLTV
  • Larger Loan Amounts
  • Lower Rates
• Disadvantages:
  • Lower LTVs
  • Higher Fees which reduce cash in hand
• Docs needed:
  • Application
  • Schedule of REO

True Hard Money Loan 3 – Residential Loan

• Loan Term: 12 to 240 months
• 75% LTV for Residential Properties
• UP to 65% ARV
• Any Credit Score Qualifies
• Minimum Loan $50,000
• $1 Million Maximum on all Others
• BPO only
• Rates 14% and up
• Points 5% and up
• Advantages:
  • Residential, Commercial, Mobile Homes and Land
  • Purchase and Refinance
  • Smaller Loan Amounts
  • Quick Close
• Disadvantages:
  • Lower LTVs
  • Higher Fees which reduce cash in hand or out of pocket
• Docs needed:
  • Application
  • Schedule of REO

For More information about a true hard money loan and how it can be used in your financing goals

call 888-848-3114

or click here to schedule a free loan consultation.

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Here are a few of the many benefits of  DSCR Rental Loans for real estate investors building a portfolio of rental investment properties.

What is a DSCR Rental Loan

First of all a DSCR Rental loan, or debt service coverage ratio loan, is a type of non-QM business purpose loan that is specifically designed for real estate investors. DSCR loans are based on the borrower’s ability to repay the loan based on the cash flow from the investment property, rather than the borrower’s personal income. This is one of the major benefits of DSCR Rental loans. This is why they a good option for real estate investors who have a strong cash flow from their investment properties but may not have a high personal income.

Benefits of DSCR Rental Loans

DSCR loans can be a great option for real estate investors who are looking to build a portfolio of investment properties. Here are some of the benefits of DSCR Rental loans for portfolio building:

• Easier to qualify for. DSCR Rental loans do not require lenders to verify the borrower’s personal income, which can make them easier to qualify for as compared to conventional loans. This is especially beneficial for real estate investors who have a low personal income or who have multiple investment properties and are nearing the debt-to-income limit for conventional loans.
• Higher loan amounts. DSCR loans typically have higher loan amounts than traditional loans, which can give real estate investors more buying power when they are looking to acquire new investment properties.
• Purchase additional Properties. Other Benefits of DSCR Rental loans include the ability to buy more properties because each loan is based on the cash flow of an individual property not the individuals income.
• Liability Protection for the Owner. DSCR loans are usually made to a business entity, such as a LLC. As such, this provides limited liability the owner in case of law suits. The liability is generally limited to the business assets, not personal assets.
• Credit Protection for The Owner. Business purpose loans are made to the business that generally require a personal guarantee. This one of the Benefits of DSCR Rental Loans because the loan does not negatively impact the borrowers debt ratio. This can affect the borrowers ability to qualify for some personal credit.
• Additional Tax Benefits. As a business purpose loan there are additional tax benefits of  DSCR Rental loans.
• No Limit to number of properties financed. Conventional loans limit the number of properties a borrower may have financed. Regardless if the properties cash flow, the borrower has great credit, the borrower has great income or the borrower has great reserves they would not qualify for additional financing to build their real estate portfolio.

Overall, DSCR loans can be a great option for real estate investors who are looking to build a portfolio of investment properties. They offer a number of benefits that can make it easier for investors to qualify for loans, get higher loan amounts, pay lower taxes, and have greater personal liability protection.

Disadvantage of DSCR Rental Loans

Here are some additional things to consider when using DSCR loans in comparison to conventional loans for portfolio building:

• DSCR requirements. The program terms vary and are many different DSCR requirements, so it is important work with someone who understands your needs and offers the best options for you..
• Property type. DSCR Rental loans are for one to four unit investment properties. Not all properties are eligible for DSCR loans. The property must generate positive cash flow.
• Loan amount. The maximum loan amount for a DSCR loan will vary depending on the program but will generally go to $2,000,000 to $,4000,000 or more.
• Interest rates. DSCR loans typically have higher interest rates than conventional loans.
• Closing costs. DSCR loans can have higher closing costs than conventional loans.

It is important to carefully consider all of these factors and compare them to the benefits of a DSCR Rental Loan for portfolio building.

FBC Funding Specializes in DSCR Rental Loans. We offer many programs and options for real estate investors.

To learn more about the benefits of DSCR Rental loans to you call 888-848-3114

or

Click here to schedule a free loan consultation.

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WHY NMLS Licensed MLO Originators Should Partner with FBC Funding

Most NMLS Licensed MLO Originators do not offer Residential and Multifamily DSCR Rental Loans for Investors, Residential and Multifamily Rehab Loans for Investors (Hard Money Loans),  Residential or Multifamily Ground Up / New Construction loans, or Multifamily and Mixed Use Bridge or  Long Term loans for Commercial Properties. Because these are all business purpose loans, there is not a conflict of interest and most NMLS licensed lenders do not offer these products. Therefore, NMLS licensed MLO originators can better serve their investor clients with an expanded product line and make additional money doing so.

How NMLS Licensed MLO Originators could Partner with FBC Funding

There are three ways a NMLS Licensed MLO Originators can partner with FBC Funding. They can be FBC Funding Referral Agents, FBC Funding Loan Officers, or FBC Funding Approved Loan Brokers.

• FBC Funding Referral Agent: A FBC Funding Referral Agent will simply refer a borrower to FBC Funding by providing their name, phone number and email address plus a short description of what the borrower wants to do. At that point an FBC Funding Loan Officer will call the borrower and confirm what they want to do. Then the Loan Officer will originate the loan. Once the loan closes the FBC Funding Referral Agent will receive 25 basis points just for referring a borrower. The FBC Funding Referral Agent is also eligible for monthly volume bonuses of up to an additional .25 basis points.
• FBC Funding Loan Officer: A FBC Funding Loan Officer will Originate the loan. They will prospect, build referral relationships, and maybe get leads to originate. The FBC Funding Loan Officer will prequalify the borrower, present and sell the best product for the client, help them complete the application, collect the required initial loan documents, and make sure the borrower pays for the appraisal. At that point processing takes over. The loan officer is paid from 40% commission to 60% commission depending monthly volume and experience level.
• FBC Funding Approved Broker: The FBC Funding Approved Broker does everything the Loan Officer does but is paid by the borrower by providing a signed broker agreement to charge the borrower up to 2 points Broker fee. The Approved broker will be paid directly on the HUD from the title company.

Whichever way the NMLS Licensed MLO Originator chooses to Partner with FBC Funding, they greatly improve their product offerings for their residential and commercial real estate investors and make substantially more money by doing so. For more information on programs and products offered by FBC Funding, go to our website at rehablender.net You can also click here to schedule a call with FBC Funding. Or call 888-848-3114 and ask for Louis.

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HARD MONEY BUSINESS LOAN

Many small business owners have equity in their primary residence, investment real estate or business owned property that they would like to use to help support their businesses. Now with a Hard Money Business Purpose Loan they can use a hard money loan to qualify, even with poor credit or unverifiable cash flow. This can open many doors when small business owners are rejected from banks and conventional mortgage lenders.

Consumer Loans versus Business Purpose Loans

Due to usury laws and the Dodd-Frank law, there are very strict government regulations that limit the costs and mandate certain qualifying factors such as, debt to income ratio’s, for any consumer using the primary residence as the collateral for a mortgage. These usury laws are necessary. They provide good protection for consumer mortgages (consumers financing their owner occupied homes). These protections are very much needed for consumers financing or refinancing their homes. Not only are these laws not good for business owners; these usury laws do not apply to small business owners. When a business owner chooses to use the equity in their primary residential homes to borrow funds and use them for their business they can. But the distinction between a business owner getting a consumer loan versus a business purpose loan is very precise and the penalties to lenders very high. For this reason most Hard Money Lenders and Private Money Lenders will not use a primary residence as collateral for a loan.

When to Use a Hard Money Business Loan

Hard Money Loans and Private Money Loans are expensive and to be used when you have exhausted conventional options for financing. This means you have been turned down by your bank and /or conventional mortgage lender. They also have not qualified for traditional business lending. The reality is that though Hard Money Loans are expensive, they can be less expensive than many other options and effectively save business owners money.

These loans are less expensive than merchant cash advances and most revenue based financing. Hard Money Loans can even be cheaper than credit card financing. Merchant cash advances, revenue based financing, some term business loans and credit card financing are short term in nature. These financing types are not designed to run your business. These financing programs are meant to help you meet an urgent need or take advantage of a lucrative business opportunity. Hard Money Business Loans can help not only meet short term needs but also consolidate higher cost short term financing options to reduce costs and improve cash flow.

Qualifications for a Hard Money Business Loan

Whether a small business owner has been denied a loan for poor credit or unacceptable cash flow, they may still qualify for a Hard Money Business Purpose Loan. There are options for no minimum credit score and options requiring a minimum score of 640 or higher. For owner occupied residential property the key is the majority of the proceeds must be used for business purposes. Therefore, we use 51% of all funds requested as the minimum threshold. This means no more than 49% of the loan proceeds can be used to pay off an existing mortgage.  For example; if the loan amount is $100,000 then the most to be used to pay off existing mortgage is $49,000. $51,000 must be used for business purposes. The minimum loan is $100,000 and the maximum loan is $5,000,000.  The maximum loan to value is 65%. There must always be an acceptable exit strategy as these loans are short term. The term is usually 12 months.  Acceptable property for Hard Money Business Purpose Loans are: owner occupied residential 1- 4 unit properties, 1 – 4 unit residential investment property, residential and commercial investment property, business occupied or investment commercial property.

For more information call 888-407-6767 or email louisj@fbcfunding.com

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