Can You Consign an RV That's Underwater in Florida?
The honest answer from someone who ran RV consignment for 9 years and turned away underwater RVs every week
⚠️ The Direct Answer
No, in most cases you cannot consign an underwater RV in Florida. The commission math doesn't work, and reputable consignment dealers will turn you away immediately once they see you owe more than the RV is worth.
There's ONE exception (which I'll explain below), but 95% of people with underwater RVs don't qualify for it. If you're reading this hoping consignment will solve your underwater RV problem, I'm going to save you weeks of wasted time and tell you what actually works instead.
Consign underwater RV Florida - if that's what you're searching for, I'm going to save you weeks of wasted time right now: it won't work in most cases. I'm Frank Mason. From 2015 to 2024, I operated an RV consignment dealership in Florida. During those 9 years, roughly 60% of the RVs I turned away were underwater—owners owed more than their RV was worth and couldn't make the consignment math work.
I had this conversation probably 200+ times: Someone would call excited about consigning their RV. We'd talk details. Then I'd ask the critical question: "How much do you owe on it?" They'd tell me. I'd look up market value. And I'd have to explain why consignment wasn't going to work.
This guide explains exactly why underwater RVs don't work for consignment in Florida, the ONE exception that might apply (but probably doesn't), and what your actual options are if you're stuck with negative equity.
What This Guide Covers
If you're trying to figure out whether you can consign your underwater RV in Florida, here's what you'll learn:
- Why the commission math kills underwater consignment (with simple $100K examples)
- The ONE exception where underwater consignment might work (immediate gap funds within 3-5 days)
- What shady dealers do when they accept underwater RVs anyway (spoiler: it's not good for you)
- Your real options when consignment dealers say no (strategic private sale, gap financing, lender settlements)
- How to avoid wasting 3-6 months chasing consignment that was never going to work
I'm not going to sugarcoat this or try to sell you on consignment that won't work. I left the consignment business specifically so I could help people in underwater situations instead of having to turn them away. Let's get into the reality.
🎤 FRANK'S TAKE: The Underwater RVs I Had to Turn Away Every Week
During my 9 years running RV consignment in Florida, I probably turned away 3-5 underwater RVs every single week. Same conversation, different people, same heartbreaking math.
Typical scenario: Family bought a $120,000 motorhome 2-3 years ago. Financed $110,000. Made their payments. RV is now worth maybe $85,000 on the retail market. They still owe $95,000. They're $10,000 underwater.
They call me hoping consignment will solve their problem. Maybe I can get "retail price" or "over retail" to help bridge that gap. And I'd have to explain: "Even if I sell it for full retail value ($85,000), after my 10% commission ($8,500), you'd net $76,500. You owe $95,000. You'd need to bring $18,500 to closing just to clear the loan. Do you have $18,500?"
99% of the time, the answer was no. They were hoping consignment would GET them money, not require them to BRING money. And that's when I'd have to turn them away because the math just didn't work.
What bothered me most wasn't turning them away—it was that I couldn't help them find a solution. Consignment was my only business model. If you didn't fit the consignment box, I had nothing to offer. That's why I eventually shut it down and became a consultant. Now I can actually help these situations instead of just saying "sorry, can't help you."
Why You Can't Consign Underwater RV Florida: The Commission Math
Let me show you exactly why Florida consignment dealers turn away owners trying to consign underwater RV Florida properties. It's not personal, it's not negotiable—it's just math that doesn't work when you try to consign underwater RV Florida units.
The Simple Math That Kills Underwater Consignment
When you consign an RV in Florida, the dealer takes a commission when it sells—typically 10-15% of the sale price. That commission comes OUT of what you receive. So if you're already underwater (owe more than it's worth), the commission makes the gap even bigger.
Example 1: Slightly Underwater ($10,000 Gap)
Loan balance you owe: -$100,000
Already underwater: -$10,000
Now add consignment commission:
RV sells for: $90,000
Dealer commission (10%): -$9,000
You receive: $81,000
Loan balance owed: -$100,000
GAP YOU MUST BRING: $19,000
See what happened? You started $10,000 underwater. After commission, you'd need to bring $19,000 to closing. The commission nearly DOUBLED your gap.
Example 2: Moderately Underwater ($25,000 Gap)
Loan balance you owe: -$100,000
Already underwater: -$25,000
Now add consignment commission:
RV sells for: $75,000
Dealer commission (10%): -$7,500
You receive: $67,500
Loan balance owed: -$100,000
GAP YOU MUST BRING: $32,500
Started $25,000 underwater. After commission, you'd need $32,500 at closing. Very few people have that kind of cash available.
Why Consignment Dealers Say No Immediately
When I ran consignment, here's how the conversation went after I ran these numbers:
Me: "So based on current market value and 10% commission, you'd need to bring about $19,000 to closing. Do you have that available?"
Owner (99% of the time): "Wait, I have to BRING money? I thought consignment would help me GET money."
Me: "I understand. But the commission comes out of the sale proceeds, and you're already underwater. There's just no way to make the numbers work without you bringing significant cash to closing."
At that point, most people realized consignment wasn't going to solve their problem. The few who did have $20K-$30K in cash usually asked: "If I'm bringing that much money anyway, why would I use consignment? Couldn't I just sell it myself and save the commission?"
And they were absolutely right.
⚠️ The Truth About "Getting Retail Prices"
Here's what some dealers won't tell you: You can't re-retail a used RV. It's already been retail sold—either to you or to whoever you bought it from. Now it's used. The market value is the market value.
Any dealer who promises they can get "retail prices" or "over retail" on your used RV to help cover your underwater gap is either:
- Lying to get possession of your RV (then they'll "wear you down" over months)
- Planning to wholesale it and pocket the difference
- Has no idea how the used RV market actually works
I've seen all three. None of them end well for the owner.
The Exceptions That Prove the Rule
In 9 years of running consignment, I accepted maybe 10-15 underwater RVs total. Out of probably 400+ that called. That's less than 4%. Here's what made those few work:
- Minimal gap + owner had immediate cash: Maybe $3,000-$5,000 underwater, and owner had that in savings ready to wire within days
- Trading toward another RV: Planned to buy another RV from us, so we could roll some negative equity (still problematic, but workable in specific scenarios)
- Estate situations with urgency: Family needed to liquidate quickly, understood they'd bring money, just wanted us to handle the sale process
Notice what all of these have in common? The owner had immediate access to gap funds. They weren't hoping consignment would magically solve their underwater problem. They knew they'd bring money to closing and just wanted professional help with the sale.
If that's not you—if you're hoping consignment will somehow get you OUT of your underwater situation rather than requiring you to bring cash IN—then consignment won't work. Period.
Next section: the ONE exception where underwater consignment might work (but probably doesn't apply to you).
The ONE Exception: Consign Underwater RV Florida with Immediate Gap Funds
Okay, I promised to explain the ONE exception where you might be able to consign underwater RV Florida successfully. Here it is—but read the timing requirements carefully because this probably doesn't apply to you.
✅ Exception: You Have IMMEDIATE Access to Gap Funds
You CAN potentially consign an underwater RV in Florida IF:
- You know exactly how much gap you'll need to bring (loan balance minus sale proceeds after commission)
- You have that money IMMEDIATELY AVAILABLE (not "I could get it" or "I could apply for a loan")
- You can transfer that money within 3-5 business days when a buyer appears
- You're comfortable paying both the gap AND waiting 90-120 days for consignment sale
Why the 3-5 Day Timing Is Critical
⏰ CRITICAL: Buyers Don't Wait
When a buyer wants your RV, they're ready to close within 3-5 business days (once their financing is approved). They will NOT wait 2-4 weeks while you apply for a personal loan or get HELOC approval. The deal needs to happen NOW or they're moving on to the next RV.
This is why consignment dealers ask upfront: "If we get a buyer tomorrow, can you have the gap money ready to wire within 3-5 business days?" If the answer is anything other than "Yes, I have it in my account right now," most dealers will turn you away.
What Qualifies as "Immediate Access" to Gap Funds
✅ These Qualify (Immediate Access):
- Cash in savings account: You can wire it same-day or next-day
- Already-approved HELOC: Loan is funded, money is available now
- Personal loan already funded: Money is sitting in your account right now
- Family member committed: Someone can wire you the gap within 2-3 days
- Liquid investments: Stocks, bonds you can sell and transfer within days
❌ These DON'T Qualify (Not Immediate):
- Personal loan you'd need to APPLY for: 2-4 weeks typical, buyer won't wait
- HELOC not yet approved: 3-6 weeks approval process, too slow
- "I could probably get it somehow": Not specific enough, dealer won't accept
- 401(k) loan: Usually takes 2-3 weeks to process and fund
- "Family might help": "Might" isn't good enough for time-sensitive deals
- Tax refund coming: Unless it's already deposited in your account
Real Example: When the Exception Worked
I had a client in 2019—let's call him Robert. Bought a 2017 Thor Palazzo for $145,000, financed $130,000. Three years later, market value dropped to $95,000, he still owed $108,000. He was $13,000 underwater.
Robert called about consignment. I ran the numbers:
- Market value: $95,000
- My 10% commission: $9,500
- He'd receive: $85,500
- He owed: $108,000
- Gap he'd need: $22,500
I explained the math. Most people would have said "never mind" and hung up. Robert said: "I have $30,000 in savings. I can wire the gap the day the buyer's financing clears. Can we proceed?"
I took the RV on consignment. Sold it 6 weeks later for $96,000. Robert wired $21,500 gap when the deal closed. Everyone walked away happy.
Why this worked: Robert had IMMEDIATE access to gap funds. He wasn't hoping consignment would solve his problem—he knew he'd bring money to closing and just wanted professional help executing the sale.
Why 95% of People Don't Qualify
Most people calling about consigning their underwater RV are hoping consignment will GET them money, not require them to BRING money. They don't have $15,000-$30,000 sitting in savings. They're LOOKING for financing options, not already funded.
And that's fine—but it means consignment won't work. You need different strategies, which I'll cover in the next sections.
🎤 FRANK'S TAKE: The 5% Who Could Actually Make It Work
Out of every 100 people who called me about consigning an underwater RV, maybe 5 actually qualified for the "immediate gap funds" exception. And here's what made them different:
They weren't desperate. They had cash reserves. They were financially stable. They understood the commission math upfront. They just wanted professional help with the sale process and were willing to pay both the gap AND the commission for convenience.
The other 95%? They were in tough financial spots. Job loss, medical emergency, divorce, or just made a bad RV purchase decision. They needed money OUT of the sale, not to bring money IN. Consignment couldn't help them.
What frustrated me for years was that I had nothing to offer the 95%. "Sorry, consignment won't work for you" was all I could say. I couldn't help them strategize gap financing. I couldn't guide them through lender settlement negotiations. I couldn't show them how to sell privately and minimize their loss.
My business model was consignment or nothing. If you didn't fit, I sent you away. That's ultimately why I shut down the dealership in 2024—so I could actually help the 95% instead of just the lucky 5%.
Now when someone calls me underwater by $18,000, I don't have to turn them away. I can show them 3-4 strategic options that might actually work. That's worth way more than any consignment commission.
What Shady Dealers Won't Tell You: Consign Underwater RV Florida Scams
Here's the part that makes me angry: not every Florida consignment dealer turns away underwater RVs. Some dealers will accept them when you try to consign underwater RV Florida, knowing full well the math doesn't work. Why? Because they're planning to profit at your expense.
Let me show you the tactics I saw (and heard about from clients who got burned before finding me).
⚠️ Warning: The "Retail Price" Lie
You call a dealer about consigning your underwater RV. You explain you're $15,000 underwater. And instead of being honest that consignment won't work, the dealer says:
"Don't worry, we specialize in getting TOP DOLLAR for RVs. We'll price it at retail and find the right buyer who'll pay what it's worth. We've gotten retail prices on RVs just like yours."
This is a LIE designed to get possession of your RV. Here's what actually happens:
Scam Tactic #1: The "Wearing You Down" Strategy
How It Works:
- Month 1: Dealer takes your underwater RV, promises retail prices, lists it way over market value
- Month 2: Zero showings, zero interest. Dealer says "market's a bit slow, let's be patient"
- Month 3: Still nothing. Dealer suggests "small price drop" to $5,000 over market (still too high)
- Month 4: Buyer appears at market value. Dealer calls: "We have an offer, but it's below asking. You'd still need to bring $18,000 to closing. Should we reject it or accept?"
- Month 5: You're worn down, frustrated, desperate. RV has been sitting for months. You accept the deal even though you're bringing $18,000—the same gap you would have needed on Day 1
What the dealer gained: Your RV sat on their lot for 4 months generating no value for you, but they got a commission sale. They lied about "retail prices" to get your RV, then wore you down until you accepted market reality.
Scam Tactic #2: The Wholesale Switcheroo
How It Works:
- Dealer takes your underwater RV on "consignment"
- Dealer never seriously markets it retail
- After 30-60 days, dealer calls: "We haven't found a retail buyer, but I have a wholesaler who'll take it off our hands. You'd still need to bring $12,000 to closing, but at least we can move it"
- You reluctantly agree because you're tired of waiting
- What you don't know: The dealer is getting a kickback from the wholesaler OR is buying it themselves at wholesale to flip
What the dealer gained: They profited from the wholesale transaction (either kickback or flip margin) PLUS potentially charged you a "processing fee." You brought $12,000 to closing AND the dealer made money on the backend.
Scam Tactic #3: The Perpetual Extension
How It Works:
- You sign a 90-day exclusive consignment contract
- RV sits on their lot gathering dust and depreciation
- Day 85, dealer calls: "We've had some serious interest but need more time. Can we extend another 90 days?"
- You agree (because what else can you do?)
- Another 90 days pass, same story
- After 6-9 months, your RV has depreciated significantly, you're even MORE underwater, and you finally accept a terrible deal just to be done
What the dealer gained: Free lot space and inventory that makes their lot look full. Eventually they sell it (maybe), or you get so desperate you accept wholesale offers.
Red Flags: Dealer Is Planning to Scam You
🚩 Run Away If You Hear These Phrases:
- "We specialize in getting retail prices for RVs" (Translation: We're lying to get your RV)
- "Don't worry about being underwater, we'll find the right buyer" (Translation: We won't, but you'll be stuck with us for months)
- "We've sold RVs for over asking price before" (Translation: Maybe once in a perfect storm, not a repeatable strategy)
- "The market is just slow right now, let's extend the contract" (Translation: We're not actually trying to sell it)
- "I have a wholesaler who might be interested" (Translation: We're making money on the backend at your expense)
- "Trust me, I know what I'm doing" (Translation: You're about to get scammed)
How to Protect Yourself
If a Florida consignment dealer is willing to accept your underwater RV, ask these questions:
- "What EXACTLY is your plan for selling an underwater RV?" (Watch for vague answers)
- "Show me 3 recent examples where you sold underwater RVs for retail prices." (They won't have them)
- "Will you guarantee in writing that I'll receive at least $X after commission?" (They'll refuse)
- "Can I terminate the contract without penalty if there's no serious interest in 60 days?" (They'll say no to exclusive contracts)
- "Do you have any wholesale relationships or auction partnerships?" (If yes, that's where your RV is going)
Honest answer from an honest dealer: "I can't take your underwater RV on consignment because the commission math doesn't work. Let me refer you to someone who specializes in underwater situations." That's what I said for 9 years.
⭐ Client Experience
[TESTIMONIAL PLACEHOLDER #1: "Promised Retail Prices" Story]
Example: "Tampa consignment dealer promised he could get 'retail or above' for my underwater Class A. Four months later, zero showings, he suggests wholesale auction. Would have lost $22,000. Frank showed me how to sell privately with gap financing instead. Closed in 38 days, saved $9,000 compared to that dealer's wholesale offer."
— [Client First Name + Last Initial], [City] | [RV Type]
The Bottom Line on Consigning Underwater RVs in Florida
If you're underwater on your RV in Florida:
- ✅ Honest dealers will turn you away (because commission math doesn't work)
- ❌ Dishonest dealers will take your RV anyway (planning to scam you)
- ⚠️ The exception (immediate gap funds) only applies to ~5% of people
So if consignment won't work for underwater RVs in Florida, what ARE your options? That's what the next section covers.
Your REAL Options When You Can't Consign Underwater RV Florida
Okay, so you can't consign underwater RV Florida through traditional consignment dealers. Now what? Here are the four strategies I actually use with clients who are underwater on their RVs in Florida.
Option 1: Strategic Private Sale with Gap Financing
How it works: You secure gap financing FIRST (personal loan, HELOC, family loan), then sell the RV privately using professional marketing. This gives you the highest net proceeds while covering the underwater gap.
Example:
- RV market value: $85,000
- You owe: $100,000
- Gap: $15,000
- Strategy: Get $15,000 personal loan approved, sell RV privately for $86,500 (slightly above market with good marketing), use loan + proceeds to pay off RV loan
- Result: RV sold, loan cleared, you have manageable $15,000 personal loan instead of underwater RV payment
When this works best:
- Gap is $20,000 or less (financeable amount)
- You have 60-90 days to execute the sale
- You can qualify for personal loan or HELOC
- You're willing to invest $1,000-$1,500 in professional photos and marketing
Why it beats consignment:
Even if you COULD consign (with immediate gap funds), private sale nets you more because there's no 10-15% commission. That commission savings can reduce your gap by $8,000-$12,000.
Option 2: Dealer Trade-In (Accept the Loss)
How it works: You trade your underwater RV to a dealer, they pay off your loan, and you either bring cash to cover the gap OR (more commonly) roll the negative equity into financing for another RV.
Example:
- RV worth: $75,000
- You owe: $92,000
- Dealer trade-in offer: $70,000 (below market)
- Gap: $22,000
- Option A: Bring $22,000 cash to closing, walk away
- Option B: Trade toward new RV, roll $22,000 into new loan (now you're underwater on TWO RVs)
When this makes sense:
- You need to sell in under 30 days (urgent)
- You're trading toward another RV anyway
- Speed matters more than minimizing loss
- You have zero tolerance for private sale hassle
Warning:
Rolling negative equity into a new RV loan is how people end up $40,000-$50,000 underwater. Only do this if you're keeping the new RV long-term (5+ years) and can afford the inflated payment.
Option 3: Lender Settlement Negotiation
How it works: You negotiate with your RV lender to accept less than the full loan balance in exchange for releasing the lien. This typically only works if you're in financial hardship and can demonstrate you CANNOT pay the full amount.
Example:
- You owe: $105,000
- RV worth: $80,000
- You sell RV privately for: $82,000
- You negotiate with lender: "I can pay you $82,000 from the sale. I don't have the $23,000 gap. Will you accept this as settlement and release the lien?"
- Sometimes they agree (especially if you're already behind on payments)
When this works:
- You're experiencing genuine financial hardship (job loss, medical, divorce)
- You're willing to take the credit hit (lender reports as "settled for less than owed")
- The gap is significant ($20,000+) and unfundable
- You have professional help negotiating (lenders don't make this easy)
Credit impact:
Expect a 50-100 point credit score drop for 12-24 months. But if the alternative is defaulting or bankruptcy, settlement is the better option.
Option 4: Strategic RV Consulting for Complex Exits
How it works: You hire an independent RV consultant (like me) who specializes in underwater situations. We analyze your specific situation, recommend the best strategy, and guide you through execution step-by-step.
What strategic consulting covers:
- Complete equity analysis and exit strategy recommendation
- Gap financing options (what you qualify for, where to apply)
- Lender settlement negotiation scripts and tactics
- Professional private sale execution (photos, listing, buyer screening)
- Title transfer coordination and payoff logistics
- Complex situations: divorce, estate, bankruptcy, multiple liens
When this makes sense:
- Your situation is complex (multiple issues stacked)
- You're significantly underwater ($15,000-$35,000+)
- You need expert guidance but can execute yourself
- You want unbiased advice without dealer sales agenda
Investment:
- Strategic Exit Consultation: $497 (analysis + strategy recommendation)
- Complete Sales Package: $997 (photos, listing, buyer screening, coordination)
- Full-Service Exit: $1,997 (we handle everything including lender negotiation)
🎤 FRANK'S TAKE: Why I Left Consignment to Help Underwater Owners
When I ran RV consignment from 2015-2024, I made good money from the 30-40% of RVs I could accept. Nice commission checks. Steady business. Comfortable income.
But 60% of my calls were people I had to turn away—mostly because they were underwater. Every time I had that conversation, it bothered me. These were people in genuine distress. Job loss. Medical emergencies. Divorce. Bad purchase decisions they regretted.
They needed strategic help navigating their underwater situation. And all I could say was "Sorry, consignment won't work for you. Good luck."
After years of this, I realized: I was helping the EASY cases (people with equity and time) while abandoning the HARD cases (people underwater and desperate). That felt wrong.
So in 2024, I made a decision that seemed crazy to my peers: shut down a profitable consignment business to become a consultant where I make way less per client. Why? So I could finally help the 60% I used to turn away.
Now when someone calls me $22,000 underwater, I don't say "sorry, can't help." I say: "Here are your 4 options. Option 1 is gap financing through this specific lender. Option 2 is lender settlement—here's how to negotiate it. Option 3 is strategic private sale with these exact steps. Let's figure out which one works for your situation."
I make less money per client than I did with consignment commissions. But I sleep better knowing I'm helping people who actually NEED help instead of just people who wanted convenience.
That's worth more than any commission check.
🎯 Your Decision Framework for Underwater RVs in Florida
Use this to determine which strategy makes sense for your situation:
Choose Strategic Private Sale with Gap Financing If...
- ✅ Your gap is $20,000 or less
- ✅ You can qualify for personal loan or HELOC
- ✅ You have 60-90 days to execute
- ✅ You want to minimize total loss
Action: Apply for gap financing first, then execute professional private sale
Choose Dealer Trade-In If...
- ✅ You need to sell in under 30 days
- ✅ You're trading toward another RV
- ✅ Speed matters more than money
- ✅ You can afford to bring cash OR roll negative equity
Action: Get trade-in quotes from 3-4 dealers, use highest as leverage
Choose Lender Settlement If...
- ✅ You're in genuine financial hardship
- ✅ Gap is $20,000+ and unfundable
- ✅ You're willing to take credit hit
- ✅ Alternative is default or bankruptcy
Action: Get professional help negotiating (don't go alone)
Get Strategic Consulting If...
- ✅ Situation is complex (divorce, estate, multiple liens)
- ✅ You're significantly underwater ($15,000-$35,000+)
- ✅ You need expert analysis and step-by-step guidance
- ✅ You want unbiased advice without dealer agenda
Action: Book consultation for strategic analysis
Stuck with an Underwater RV? Let's Find Your Best Exit Strategy
Book a free 30-minute consultation. I'll analyze your exact situation (what you owe, market value, timeline, options for gap financing) and recommend the strategy most likely to work. No pressure, no sales pitch—just honest guidance from someone who specialized in these situations for 9 years.
Book Free Underwater RV Consultation →6 Questions: Consign Underwater RV Florida
Quick answers about trying to consign underwater RV Florida from someone who turned them away every week for 9 years
1. Can you consign an RV that you still owe money on in Florida?
Yes, IF you have equity (RV worth more than you owe). No, if you're underwater (owe more than it's worth) UNLESS you have immediate access to gap funds (available within 3-5 days when buyer appears). Most underwater RV owners don't qualify for consignment because the commission makes the gap larger, and dealers turn them away immediately.
2. Why won't consignment dealers accept my underwater RV?
Because the commission math doesn't work. If you're $10,000 underwater and the dealer takes 10% commission, you'd need to bring $19,000 to closing instead of just $10,000. Dealers know most people don't have that kind of cash available, so they turn away underwater RVs rather than waste time on deals that won't close.
3. What if a Florida consignment dealer promises to get "retail prices" on my underwater RV?
Run away. You can't re-retail a used RV—it's already been retail sold. Any dealer promising retail or over-retail prices to help cover your gap is either lying to get your RV or planning to wholesale it at your expense. Honest dealers turn away underwater RVs and refer you to better options.
4. How much does it cost to get out of an underwater RV in Florida?
Depends on your gap and strategy. Gap financing: You'll pay interest on personal loan (7-12% APR typically). Lender settlement: Credit score drop of 50-100 points but no cash needed. Strategic consulting: $497-$1,997 depending on complexity, but often saves you $5,000-$15,000 compared to dealer trade-in. See consulting options →
5. Can I negotiate with my RV lender to accept less than I owe?
Sometimes, if you're experiencing genuine financial hardship (job loss, medical, divorce) and can demonstrate you CANNOT pay the full amount. Lenders call this "settlement" or "short payoff." You sell the RV, give the proceeds to the lender, and they agree to release the lien even though you're paying less than owed. Expect a significant credit hit, but it beats defaulting or bankruptcy. Learn more about lender settlements →
6. What's the fastest way to sell an underwater RV in Florida?
Dealer trade-in (1-3 days) but you'll get the lowest price. If you have 30-60 days, strategic private sale with professional marketing nets you significantly more. The key is securing gap financing FIRST (personal loan, HELOC) so you can close deals immediately when buyers appear. Most people waste 3-6 months trying consignment that was never going to work instead of using strategies that actually solve underwater situations.