Why get a mortgage at 6% when you can borrow at ~4%?

We’re helping a young couple buy their first home, and the math looks very different when you can finance part of the purchase through your portfolio instead of only through the bank.

Using box spreads, we can borrow against a diversified portfolio and lock in ~4% financing for up to five years.

That does a few things:

• Avoids selling appreciated securities → no immediate tax bill
• Keeps more capital invested and compounding
• Lowers the effective cost of financing

Of course, leverage needs to be used responsibly.

But when it’s sized appropriately, it can have a compounding impact over a lifetime.

If you have a $10M+ portfolio and want to explore borrowing at some of the most attractive rates available to finance real estate or other opportunities, you can book a call using the link in my profile.