1. your pockets
2. your savings accounts
3. borrow against a CD
4. borrow against the cash value of a life insurance policy
5. borrow against someone else’s IRA
6. private money
7. mortgage brokers & bankers
8. borrow from your 401(k)
9. seller financing
10. hard money lending
11. private money lending
12. home equity LOC or refinance
13. loans from your family members
14. employer advances
15. prior financing (subject-to)
16. my three friends, Visa, Mastercard and American Express
17. pawnbrokers
18. borrow against future inheritance
19. selling a future stream of income, like rents due to you
20. Matthew Lesko’s unclaimed money sources (this is a brainstorm, all ideas are good!)
21. Sell a note or land contract
22. Aggressively collect bad debts
23. upgrade–dump your least profitable property, even at a discount, to buy a better one.
24. Get a part time job (radical, I know…)
25. Borrow from a pension
26. Barter your skills, services or other items. (I know someone who bought a house with a truck.)
27. Prepaid rents from tenants (this is a common practice commercially, for businesses to get steep rental discounts)
28. try shortsaling your OWN mortgages
29. advances on tax refund
30. in fact, change your withholdings all together to get more cash in each paycheck
31. lawsuit settlements (ok, I grappled with this one. It’s a valid source, but I don’t want to encourage people to be more litigious than average)
32. government grants
33. Small Business Administration loans (only if you have a business– maybe a marketing one that sends postcards and knocks on doors?)
34. acquire with a lease-option
35. venture capitalists (or as my friend says, “vulture” capitalists)
36. partner on deals with other investors who have excess capital
37. consumer finance companies
38. loans from fraternities/sororities or other membership-based organizations
39. local community rehabilitation grants and loans
40. borrow against your car
41. borrow against other valuables like jewelry, fine art
42. margin your stocks
43. sell your underperforming stocks, even at a loss
44. if you have a note or land contract, encourage the borrower to refinance by offering a discount
45. Do a business audit for deductions. Often we let thousands go by without taking advantage of them. Why wants to pay more in taxes than is required?
46. cash in a CD- if the rate of return you receive on your REI is significantly more than the penalty
47. commercial lines of credit
48. borrow against Other People’s Collateral
49. sell a portion of your business to another investor
50. sell your research or license a business system
Have any more suggestions? Let us know in a comment.
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