The SUMMANTIS Strategic Advisory Team

This is the art and science of capital stacking—the strategic structuring of multiple financing sources to maximize leverage, minimize cost of capital, and optimize returns. It's the difference between owning one property and building a portfolio. Between securing a single loan and architecting an empire. In this comprehensive guide, I'll break down the capital stack framework, reveal the mechanics that institutional investors use daily, and show you how to position yourself to access capital

The California real estate investment landscape in 2026 presents something many investors haven't experienced in years: predictability. After several years of volatility, rising rates, and market uncertainty, the Golden State is entering what experts are calling "The Great Housing Reset"—a period of stabilization that rewards strategic positioning over speculative timing.

There is a pervasive myth in the business world: "Cash is King." While strong cash flow is vital for survival, operating strictly in cash is often the single biggest barrier to growth. We frequently see successful business owners—who generate significant revenue—get rejected for loans, lines of credit, or mortgages. The confusion is palpable: "I have the money, so why won't the bank lend to me?" The answer lies in Fundability . Modern lending is not based on a handshake; it is based on data...