Most of our investment opportunities need two things: 1) cash for a down-payment and 2) credit to secure financing. Either one can get you a piece of ownership in the investment. I think the first is obvious, but the second warrants a bit of explanation:

For investment properties with four residential units or less, we can get much better financing terms (lower down-payment and better interest rate) if we use residential financing as opposed to commercial financing. However, to secure residential financing, a person must put the mortgage in their own name. To qualify, this person must not already have too high of a personal debt to income ratio (caused by auto, school, credit card, home loans). As a result of you providing credit, which saves financing costs, you a rewarded with a piece of ownership in the investment property with zero cash!

Now of course there are other considerations to be aware of, which we would be happy to explain; please contact us at [1] info@cnacapital.com if you would be interested in this type of arrangement.