11h • General discussion
You Don’t Need 100% Cash to Buy an Auction Property (Seriously)
I had a call today with a potential investor mentee who was set on tax deed sales only because she thought foreclosure auctions required all cash.
I see this over & over again with newer investors thinking they can only afford deals off of tax deed sales because they think you need all CASH to buy auction deals..
What blew her mind — and what I want everyone here to understand — is this:
👉 You can finance up to ~90% of a foreclosure auction deal using the right hard money setup.
Yes… even though it’s an auction.
🏠 The Auction Myth
Most investors assume:• “Foreclosure auctions are cash only”• “I need $100k+ to even play”• “I’ll invest once I save more”
That thinking keeps people stuck on the sidelines.
🔑 The Reality
✔ You typically bring 10–15% to the table
✔ A hard money lender funds the rest
✔ The lender underwrites the property, not your income
✔ This works especially well for investors planning to buy in 2026
This is why strategy matters more than cash.
🧠 Who This Is Perfect For
Investors with some capital, but not enough to buy cash
People tired of “waiting to save more”
Buyers who want their 1st or 2nd deal without over-leveraging
Anyone serious about pulling the trigger in 2026
You don’t need unlimited funds. You need the right auction + the right lender + the right plan.
🚀 If you want 1:1 guidance on:
Finding financeable auction deals
Structuring hard money correctly
Avoiding costly auction mistakes
This is for investors ready to move — not just learn.
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You Don’t Need 100% Cash to Buy an Auction Property (Seriously)
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