Another Strategy Outside of Securities-Based Lending and Delayed Financing

In today’s real estate market, nearly one-third of transactions are all-cash. Advisors feel this pressure firsthand as clients ask the same question: How do I compete like a cash buyer without disrupting my long-term investment strategy?

The two most common approaches we see are:

• Securities-based lending, where clients borrow against invested assets to purchase a home, and
• Temporary liquidation or delayed financing, where assets are sold (or cash is used) with the intention of refinancing later.

Both can work, but both introduce risk, timing pressure, and opportunity cost, particularly when clients interrupt compounding returns or take on short-term leverage under tight deadlines.

There’s another option we focus on, one that solves what I call the “last-mile problem” in real estate.

Most borrowers don’t lose deals because they lack wealth. They lose because financing timelines can’t match the speed and certainty of a true cash offer. Sellers want fast closings, no contingencies, and proof of funds. Traditional financing often struggles to deliver that last mile.

Our approach is different.

We fully underwrite the loan before a client ever makes an offer, providing a true commitment to lend, not just a pre-approval. When combined with the client’s existing liquidity, this allows them to present as a cash buyer, meet aggressive timelines, and remain competitive, while still financing the purchase and keeping assets invested.

Here’s a real-world example: 

A client recently asked, “I have the cash, why wouldn’t I just pay for the home outright?”
The answer was simple: their capital was already working efficiently, deep into its compounding cycle. Liquidating would solve the purchase, but at the cost of long-term growth.

By structuring the transaction correctly, we positioned them as a cash-equivalent buyer:

• Investments remained intact and compounding (with their financial advisor) 
• Proof of funds satisfied the seller
• The loan was fully underwritten in advance
• The client avoided securities-based lending risk
• The transaction happened once, not twice

This is what we mean by last-mile strategy. Clients don’t hire us to quote rates or payments; our borrowers are in the best position to compete for the real estate they want. They hire us to help them win, cleanly, confidently, and strategically.

If you have clients who:

• Are competing against cash buyers
• Are considering securities-based lending
• Are hesitant to liquidate investments
• Or simply want a smarter way to leverage their balance sheet

I’d welcome the opportunity to collaborate and help you retain AUM.

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