Featured case study
Full purchase-price financing, closing costs, and reserves for a completed Boca Raton residence with substantial embedded equity.
01
Three years before completion, the borrower contracted to purchase a pre-construction Boca Raton residence for $3.5 million. By the time the property was ready to close, the local market had appreciated significantly and the completed asset was estimated to be worth approximately $7 million.
02
The borrower needed the full $3.5 million purchase price. Viewed only against cost, the request looked like 100% financing—outside Matchpoint’s typical structure.
03
Matchpoint evaluated the complete transaction rather than relying on purchase price alone. The long-dated contract had created substantial embedded equity, so the requested proceeds represented a very different risk profile when measured against the property’s estimated value at closing.
04
Matchpoint financed the full $3.5 million purchase price, covered closing costs, and provided additional reserves. Total proceeds exceeded the contract price while remaining supported by the substantially higher estimated collateral value.
05
The financing was structured around the property’s current collateral value and the borrower’s embedded equity, allowing the acquisition to close without a conventional purchase-price equity contribution.
The result
Your deal
A low contract basis, embedded equity, or an unusual capital need can change the risk profile. Bring us the complete transaction.