I learned an interesting way to use the gains from your stocks without having to sell them and pay capital gains.
Imagine that you have Apple and Tesla shares that have gone up in value over the last 3-10 years. If you want to use the funds to buy a house, you would have to pay capital gains of at least 15% on the all the appreciated stock. This would trigger a lot of taxes and you would be giving up your shares. What if there was a way to keep your shares and pull some money out?
Similar to taking out a Home Equity Line of Credit (HELOC), you can take out a loan on your stocks at a low rate. For example, Interactive Brokers is allowing a margin on stocks on up to 50% of the value for 1.59%.
Rather than go into a lot of detail, please take a look at this article from Mr. Money Mustache – The Margin Loan: How to Make a $400,000 Impulse Purchase.