Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Unlock Real Estate Wealth: The Capital Stacking Secret #shorts

14 Apr 2026 · 1 min

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0:56

In this short, Tommy Dobczyk walks through his real‑estate capital‑stacking method. He combines three primary funding sources—friends and family capital, his personal credit, and a bank loan—to secure the $200,000 needed to start a construction project. He then brings a buyer to the table who provides a down‑payment that is 175 % higher than the initial investment (approximately $1.75 million). The buyer selects interior finishes (tile, paint, roof shingles) while Tommy completes the work, allowing the buyer to customize the final product without altering the structural layout. This approach leverages the buyer’s down‑payment to cover construction costs and generate a substantial upside, illustrating a repeatable deal structure that maximizes return while minimizing the developer’s equity risk.

Chapters

Are you in the deal room? You can see here how I find different sources to get the money covered. When I get to the $200,000, I can use it from here or in the $200,000. What I'll do is I might, I might sell it like over here. What I might do is find the buyer and what the buyer is going to do is he's going to hand me an offer for 175% more, which is $1.75 million. Like, so this buyer is going to hand me $1.75 million from his down payment. I'm going to come in and do the finish work because I'm going to let him pick the tile. We let them pick the color of the wall paint. What kind of roof shingles do you want on it? Blah, blah, blah. The finished stuff, right? They don't get to pick the structure because they like what I already built. They like the layout, they like the beds, blah, blah, blah. Right? So this is my capital stack. My friends and family, my credit. I got a bank involved, and then I was able to pull the buyer to the table, build up a capital stack.