Your first deal.
Your next ten.

The address, the price, and the plan. For a flip, add the rehab budget and what you expect it to be worth finished. For a rental, add the expected rent. For a build, the lot, the budget, and who is building it. Tell me your experience and whether you are buying in an LLC, and I can usually tell you which programs fit in one conversation.

A loan that qualifies on the property's rental income instead of your personal income. If the rent covers the payment, the deal can work. It fits self-employed investors, W-2 earners with several properties, and anyone growing a portfolio without piling paperwork on every deal.

Often, yes. Some programs consider first-time investors, usually with more cash in the deal or a stronger credit profile than they ask of an experienced investor. Tell me what you have done so far, even if that is nothing yet, and I'll tell you where you stand.

It depends on the program, your experience and the deal, so I will not quote a number on a web page. Plan on a down payment, closing costs and some reserves. On a flip or a build, the rehab or construction budget is usually paid out in draws after the work is done, so you also need cash to carry the work between draws. I lay out the full cash to close before you commit to anything.

The lender holds the renovation or construction budget and releases it in stages. You finish a stage, an inspector confirms the work, and the lender reimburses you. You or your contractor carry each stage until the draw arrives, so the draw schedule matters as much as the rate. I go through it with you before closing.

Often, yes. A cash-out refinance replaces the loan on the property with a larger one. A line of credit leaves your first mortgage alone and lets you draw as you need it. Either can work on a rental, and on your own home too. Both are secured by the property, so I compare what the cash costs against what you plan to do with it, and I'll tell you if the math does not work.

Hard money and private money are mostly two names for the same thing: short-term loans sized on the deal, quick to close, and priced higher than a bank. A bank loan costs less and asks for more: more documentation, more time, and a closer look at you. Many investors buy and fix with the first, then refinance into long-term financing. I'll show you both paths side by side.

Yes. Most investor programs, including DSCR, fix and flip, bridge and construction, allow closing in an LLC, a corporation, or in some cases a trust.

14 to 21 days on a clean deal. More complex deals, construction especially, can take longer. I set a realistic date up front and tell you the moment anything moves it.

Not always. Some programs do not require prior builds when a licensed, experienced general contractor runs the project. Your credit, your cash and the deal itself still have to qualify, and I'll tell you where you stand before you spend money on plans.

Most likely. Investor programs are available in most states, and coverage depends on the program and the lender. Tell me where the property is and I'll confirm before you spend any time on it.*

None. Send me the deal, call, or text. No hard credit pull is required to start. A credit review is required for a formal application, but we do not start there.