And tip: the store (big box or little box store) do not always tell the crews there is a haul away on the old item.

With eight properties and $20K a month gross, having that cushion makes sure you can cover gaps without hurting your overall cash flow.If you are still buying under qualified loans, you’ll also be required to maintain a certain amount of reserves anyway, lenders typically want to see that you have sufficient cash or liquid assets to cover several months of mortgage payments across your rental portfolio.This post does not create a CPA-client relationship.

Hey everyone,I’d love to get some experienced eyes on a strategy I’m testing.I’m actively flipping properties and recently had this idea to strengthen my offers and scale faster:Use my personal HELOC to fund a large (or 100%) Earnest Money Deposit to make my offer stand out.Once under contract, I’d line up a Hard Money Lender for the purchase and rehab.At closing, the HML funds would reimburse my HELOC, allowing me to reuse that liquidity for the next deal’s EMD.On paper, this seems like a way to:Present stronger offers and outcompete buyers.Recycle capital faster between multiple deals.Keep momentum going even with limited cash.But I’m curious about the real-world execution and pitfalls:Has anyone here actually done this (HELOC → EMD → HML → repay HELOC)?

My issue is liquid capital.

Not life-changing, but over years (and with reserves growing) it’s real money.My two cents: prioritize liquidity over squeezing every last 0.25% APY.

Quote from @Travis Mize: I have owned a flooring store in DFW for the last 7 years, and I've worked with both retail customers and investors.

Liquidity is OptionalityCash is oxygen.

Once it is published what would I need to do in order to get it added to the store so that it can be sold here. 

It looks like you have a Net Worth sufficient to do a $300K loan, although the lender may also want to see some more liquidity too.To go bigger, you may need to get a partner that can be a guarantor on the note.  

I have already made a connection ready to be the gp and put up the liquidity required for the sba loan but I have personally been seeing alot of bull crap on bizbuysell and similar sites lately.