Must Read: Secrets on Purchasing Real Estate Using Credit Cards

Must Read: Secrets on Purchasing Real Estate Using Credit Cards
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There are various ways you can conduct your real estate business in this day and age, from wholesaling where you do not have to spend anything but be a broker, to now purchasing a property using credit cards. It is now becoming more accessible than ever. With Brandon Elliott, you will know how to use credit cards in buying and remodeling real estate properties. 

About Brandon Elliott

Brandon is a leading authority in real estate and establishing business credit. He is experienced and proven in utilizing credit to invest in real estate using his “BRRRR Strategy.” He has a thriving credit repair and tradelines company. He teaches people the credit hacks he has been applying for years, such as building substantial credit lines for business up to 7 figures and manufactured spending techniques- showing ways to create millions of points equivalent to cash, free travels, and even buying properties. 

From the credit knowledge taught in his Elite Credit Course, Brandon was able to liquidate over $200K for a safety net when purchasing a 4-PLEX in one of the most desirable locations in San Diego. His passion for helping others reach their financial freedom, too, led Brandon to host, “Ready. Set. Go. Real Estate Investing” podcast every Monday, sharing how you can invest in real estate successfully with little to no money utilizing credit. Brandon has completed numerous Fix & Flips locally in San Diego and across the country out of state virtually, with his worst project being 60% cash-on-cash return ROI.  

Secrets to Purchasing Real Estate Through Credit Cards

  1. Adding Authorized Users 

Authorized users are people you trust to spend on your credit cards and who can add on your credit to build or restore their credit history. These users can access credit without applying for a card, and your on-time payment history will display on the user’s credit report. Adding an authorized user to an account is beneficial in that it can help the cardholder establish credit if they manage the account well. The entire payment history is often reported to the major bureaus, enabling users to build credit. They ensure your account is active, and you can earn more rewards on purchases made by authorized users. That is how you establish your credit.  

  1. Faster Buying Process

It is more accessible to use a credit card to buy and renovate a house. It is quicker because there is no lender or mortgage approval to deal with instant financing, there is a timely closure, less paperwork to complete, and no potential financing delays. 

  1. Lower Interest Rates 

If your card has a zero-or-low interest promotional rate, you will come out ahead of traditional financing. It can provide significant savings as compared to using cash-out refinance for renovation costs. Rather than paying interest in renovations’ total cost, you can purchase supplies and material at no or low interest. 

  1. Closing the Refinancing Gap

Lenders have a loan-to-value ratio for a traditional refinance, meaning you could only finance up to a set maximum of the cost of your home. If you have a high enough balance, you can potentially use a credit card to finance 100% of the price.


To use your credit card, you need to consider a credit limit. Brandon advises on $50,000 as security to cater for around 70 days. Before starting in real estate, Brandon worked in two restaurant jobs and saved up $35,000. He and his partners were able to buy their first home and, in two months, another. He was able to purchase the properties and refinance them through his credit. To pay the down payment. He is also able to gain points through credit cards. To learn more about credit cards, reach out to him through:

Email: [email protected]



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