Episode 8 of the Let’s REI Podcast with Jamie Stone
Real estate investing is often thought of as a game reserved for people with deep pockets. But what if you could access tens of thousands of dollars at 0% interest to fund your next deal? That’s exactly what today’s guest, David Warren-Mitchell, helps investors do through a powerful strategy called credit stacking.
What Is Credit Stacking?
Credit stacking is the process of building and leveraging multiple lines of personal and business credit to unlock funding at 0% interest. Instead of relying solely on savings or traditional loans, investors can access capital quickly — and at no cost during the introductory period.
David explains that this strategy works because:
- Banks want to extend credit to responsible borrowers.
- Strong personal credit opens doors to business credit.
- Stacking cards and credit lines builds a track record with lenders.
How 0% Credit Can Be Used in Real Estate
You can’t swipe a credit card at a title company, but with credit-to-cash conversion, those credit lines can be turned into usable funds for:
- Earnest money deposits (EMDs)
- Private money loans
- Rehab costs and materials
- Entry fees for creative finance deals
- Marketing and advertising to generate leads
Jamie shared his own experience using a $30,000 liquidation from business credit to fund a private money loan in Georgia — and getting paid back with strong returns.
The Risks of Credit Stacking
While powerful, this strategy isn’t risk-free. David highlights the biggest risks and how to mitigate them:
- Running out of time on the 0% period → Always have a clear repayment plan.
- Using credit irresponsibly → Only deploy funds into assets that generate returns.
- Going DIY without experience → Missteps can trigger account freezes or lower approvals.
David’s rule of thumb: if you can’t make money with 0% money, rethink your business model.
Scaling Beyond $50K–$100K
Once you’ve accessed your first stack, the key is relationships with banks.
- Start with major banks (Chase, Bank of America, Wells Fargo, US Bank).
- Build limits and trust with lenders.
- Then expand to regional banks and credit unions for additional lines.
With the right approach, investors can grow access to hundreds of thousands of dollars in 0% credit.
Why This Matters for Real Estate Investors
Creative finance is about resourcefulness. Access to capital often makes the difference between winning and losing a deal. By mastering credit stacking, investors can:
- Control more deals without using their own cash.
- Improve cashflow by reducing risk.
- Build long-term wealth with OPM — other people’s money.
As David says, “Capital is both a shield and a sword. It protects you when challenges come up, and it lets you attack opportunities when they arise.”
Connect with David Warren-Mitchell
If you’re ready to learn more about credit stacking and 0% business credit, reach out to David directly:
- 🌐 Website: 10xreup.com
- 📱 Call/Text: 612-269-5954
Listen to the Full Episode
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👉 Jamie, do you want me to also create a meta description (under 160 characters) for this blog so Google shows a strong snippet in search results?