Would mortgage lenders allow this? I was under the impression that they trace the origin of the down payment for this reason (to prevent it from originating from another riskier loan), but I have no expertise here.
1. Transfer $500k in stock to TD Ameritrade (a stock transfer is not a sale/buy so it's not taxed)
2. Withdrawal $100k without selling anything (now you're $100k into margin.
3. Wait about 6 months.
4. Now you can use that as a down payment, and they'll just consider your margin balance as part of your overall debt picture.
1. Transfer $500k in stock to TD Ameritrade (a stock transfer is not a sale/buy so it's not taxed) 2. Withdrawal $100k without selling anything (now you're $100k into margin. 3. Wait about 6 months. 4. Now you can use that as a down payment, and they'll just consider your margin balance as part of your overall debt picture.