Don’t Have the 20% Down? How SMART Investors Cover the Gap

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In this video, we break down a funding strategy most real estate investors don’t know exists: gap funding—how people are buying properties even when they don’t have the full 20% down payment. You will learn how investors use 0% business credit cards to cover down payments, closing costs, and renovation gaps, why this strategy protects your personal DTI and credit score, what credit and LLC requirements you need, and how liquidation works to turn credit into usable cash. If you care about buying more doors faster, credit-powered investing, or getting into deals without waiting years to save cash, you need to watch this.

⚡️ CHAPTERS
00:00 Gap Funding Explained for Real Estate Investors
00:24 The 20% Down Problem That Stops Most Deals
01:14 How Investors Buy Properties Without Full Cash Down
02:06 The Real Tool: 0% Business Credit for the Gap
02:24 How 0% Business Cards Work for Real Estate
02:46 Why Business Cards Don’t Affect Personal DTI or Credit
03:11 Credit Requirements: Score + Thick Profile
03:40 LLC Requirements and Getting Funded Even If New
04:29 How Investors Use This for Down Payment, Closing, Reno
05:06 The 12–18 Month 0% Window and the Exit Plan
05:49 Example Deal: $500K Property, Only $40K Saved
06:18 How Limits Work: Chase 0% Cards and Stacking Banks
07:20 How Liquidation Works and What It Costs
08:40 When This Strategy Works Best (Refi, Flip, Rental)