Strategies, tax mechanics, and decision frameworks for high-net-worth home buyers.
RSU-heavy comp creates a specific home-buying problem: paper wealth that turns into a tax bill the moment you touch it. Here's the playbook tech employees use.
Read more about RSUs and Buying a Home: A Tech Employee's Playbook →If most of your wealth is one stock, buying a home means navigating tax, diversification, and lender constraints simultaneously. Here's the playbook.
Read more about Concentrated Stock + Home Purchase: Avoid a Tax Disaster →Cash, jumbo mortgage, SBLOC, hybrid, and asset-depletion — the five paths to fund an HNW home purchase. After-tax math, decision framework, and links to deeper guides.
Read more about High Net Worth Home Buyer Financing: The Complete Guide →Four ways to fund a home purchase while keeping your portfolio invested — SBLOC, margin loan, asset-depletion mortgage, and hybrid structures. Mechanics, trade-offs, and how to choose.
Read more about How to Buy a Home Without Selling Investments →A fully worked example of cash, mortgage, and SBLOC financing on an even 1:1 ratio of portfolio to home price. Ten-year numbers, with the surprises called out.
Read more about $2M Portfolio, $2M Home: A Case Study in Three Financing Paths →If you're buying before you sell, an SBLOC bridge is faster and cheaper than a traditional bridge loan. Here's the math, the timeline, and the risk to manage.
Read more about Using an SBLOC as a Bridge Loan: When It Actually Makes Sense →A Home Equity Line of Credit and a Securities-Backed Line of Credit sound similar but behave very differently. Here's how to choose the right one for your situation.
Read more about SBLOC vs HELOC: Which Should a High-Net-Worth Homeowner Use? →A clear walkthrough of the tracing rules, investment interest deduction limits, and home acquisition indebtedness rules that determine whether your SBLOC interest is deductible.
Read more about Is SBLOC Interest Tax Deductible? The Rules Explained →IBKR Pro margin is the cheapest leverage available to most retail investors. Here's when to use it for a home purchase — and when its enforcement model makes a slower SBLOC the better choice.
Read more about Interactive Brokers Margin vs SBLOC for a Home Purchase →PAL and SBLOC get used interchangeably, but the underlying products have meaningful differences in structure, rate, and enforcement. Here's what actually separates them.
Read more about Pledged Asset Line vs SBLOC: Are They the Same Thing? →The exact mechanics of a Securities-Backed Line of Credit margin call — what triggers it, what you can do to cure it, and how HNW borrowers get blindsided.
Read more about SBLOC Margin Calls: Triggers and How to Avoid Them →Current SBLOC and pledged-asset-line rate structures at the four most common HNW brokerages, with side-by-side math on a $1M draw.
Read more about SBLOC Rates 2026: Schwab, Fidelity, IBKR, Morgan Stanley →A plain-English walkthrough of SBLOC mechanics — how lenders value collateral, set rates, enforce maintenance ratios, and what happens if your portfolio drops.
Read more about How an SBLOC Works: A Complete Guide for Investors →Three ways to fund a home purchase when you have a large taxable portfolio — cash, mortgage, SBLOC. Mechanics, tax impact, and how to choose.
Read more about SBLOC vs Mortgage vs Cash: The Complete HNW Guide →See how capital gains taxes and opportunity cost can turn a $200K down payment into a $301K decision. Use our free calculator to compare options.
Read more about The $200K Mistake: Liquidating Stock for a Down Payment →How federal, state, and NIIT capital gains taxes compound when you liquidate investments for a down payment — with worked examples and planning strategies.
Read more about Capital Gains Tax on Home Down Payments Explained →
