Need some creative lending options. $3.8 million deal on the hook

[John Patrick Lasher]

I am in the process of purchasing 3 properties all right next two each other. 1 multifamily and 2 commercial office space of which we plan on using a significant portion of for our medical practice. Coming up short on 20% capital. Would be interested in some ideas to bring that number down. 

[Noah Wright]

Quote from @John Patrick Lasher:

I am in the process of purchasing 3 properties all right next two each other. 1 multifamily and 2 commercial office space of which we plan on using a significant portion of for our medical practice. Coming up short on 20% capital. Would be interested in some ideas to bring that number down. 

Kinda hard to make $760,000 appear out of thin air, haha. There's hope:

1. Seller Financing: If the seller is willing, you could negotiate a deal where they finance a portion of the down payment, often called a "seller carryback." This reduces the amount of upfront capital you need.

2. Mezzanine Financing: This type of subordinate financing can help fill the gap between the primary loan and the equity you're contributing. It's often more expensive but can work if the cash flow from the properties supports it.

3. Cross-Collateralization: If you have other properties with equity, you might be able to use those as collateral to secure better loan terms or additional funding.

4. Partnership or Syndication: Bringing in additional investors or partners could help you raise the required capital. This could be structured as equity or a preferred return to your partners.

5. Retirement Accounts

6. Wealthy People You Know / Are Related To...

Good luck!