Financing Strategies

The right financing source depends on your deal structure and exit strategy. Wrong match can force a sale or kill returns. Select one to go deeper.

Asset-based short-term lending. Fast approval, higher cost. The right tool for fix & flip and deals that don't fit bank boxes.

9–14% • 6–24 months • 3–7 day approval

Long-term, lower-rate financing for stabilized investment properties. The foundation of buy-and-hold portfolios.

5–8% • 30-year terms • 30–60 day close

Flexible short-to-medium term financing between your current position and your next permanent solution.

7–11% • 6–24 months • 5–14 day approval

Capital from private investors with negotiated terms. Most flexible option — and the only one for deals that don't fit any institutional box.

Negotiated terms • Equity or debt • Relationship-driven

Qualify on the property's rental income, not your personal income. The go-to tool for scaling a rental portfolio past conventional limits.

Property-income qualification • LLC-friendly • 20–25% down

The seller acts as the bank. One of the most powerful tools in both real estate and business acquisitions.

Negotiated terms • No bank required • Installment sale tax benefits

Subject-to, lease options, and hybrid structures. Non-traditional approaches that solve problems conventional lending can't.

Low/no down payment • Seller motivated • Legal structuring required

Structure partnerships when the deal needs more than one wallet or skill set — alongside or instead of institutional capital.

Equity / profit splits • Operating agreements • Pairs with private & bridge

Quick Comparison

Type	Rate	Speed	Best For
Hard Money	9–14%	3–7 days	Fix & flip
Bridge	7–11%	5–14 days	BRRRR phase 1
Conventional	5–8%	30–60 days	Buy & hold
Private	Negotiated	Varies	Flexible deals

The best funding isn't always the lowest rate — it's the one that aligns with your exit. Text Me