Personal loan to purchase real estate

[Moshe H.]

I have excellent credit and I've been getting offers from various companies to take out quite large personal loans. For example, SoFi sent me a pre-screened offer for a large loan at attractive terms. But their rules state explicitly that you cannot use the money to purchase real estate (I guess they only want you to throw money away by buying a fancy car or something rather than a sensible investment...). My question is if anyone has a company they can recommend that doesn't make you agree not to use the money to purchase real estate. I think I can do some smaller amounts with credit card "balance transfers" that you can put right into your bank account, but I'm talking about loans for larger dollar amounts.

[Ray Harrell]

I thought about using cash advances to fund real estate as well. I've got excellent credit and close to $100K of available credit on credit cards. But if I do cash advances and season it for three months, then it will show on my debt/income ratio, and I'll be right back where I started.