TheFlippingLender

DFW Cash Investor. $5M of Personal Real Estate Holdings. Private Note Holder. Hard Money Lender. Quanta Finance.

[TheFlippingLender @JasonG_TX_RE]

🔑 Hard Money Loan Breakdown:

Loan Amount: $100,000
Interest Rate: 10.25%
Points: 1 point = $1,000
Monthly Payment: ~$854.17
Total Cost for 6 months: $6,125 (including points & interest)
Fast financing, quick flips! 💰🏡

[TheFlippingLender @JasonG_TX_RE]

90% of purchase. 100% of rehab. Up to 93% LTC. 7-day closing. These aren't bullet points � they're the infrastructure that lets you compete in any market, at any price point, with any level of urgency. Bring us the deal. #HardMoneyLending #REI

[TheFlippingLender @JasonG_TX_RE]

Tenant story: tenant reported a habitability issue that the landlord delayed addressing. Tenant legally withheld rent under state law. Landlord tried to evict. Court sided with the tenant. Fix habitability issues fast � legally and practically. #LandlordLife

[TheFlippingLender @JasonG_TX_RE]

7-day closings have saved deals that were about to go to foreclosure auction. Owner needed to sell fast. We funded the purchase, rehabbed, sold at a $74k profit. That's what happens when capital is ready before the opportunity arrives. #HardMoney

[TheFlippingLender @JasonG_TX_RE]

Foundation quote: $8,500. Engineer came out and found the issue was drainage, not structural. $1,200 fix saved $7,300. Always get an independent structural engineer before accepting a contractor's foundation diagnosis. #RehabCosts #REI

[TheFlippingLender @JasonG_TX_RE]

Misconception: hard money is only for flips. BRRR investors use it constantly. Acquire distressed, rehab with 100% funded draws, rent, refinance out at 75�80% LTV, and repeat. Hard money is the engine of the BRRR machine. #BRRRR #HardMoneyLending

[TheFlippingLender @JasonG_TX_RE]

Up to 93% LTC on fix-and-flip. Up to 80% on long-term rentals after stabilization. Know which product fits which phase of your deal. Hard money for acquisition and rehab. DSCR or conventional for the hold. That's the full cycle. #HardMoney #BRRRR

[TheFlippingLender @JasonG_TX_RE]

Tenant story: tenant fell behind on rent during COVID and qualified for rental assistance. Funds went directly to landlord. Landlord accepted them. Tenant thought this cleared future months too. It didn't. Communication prevents 90% of disputes. #Landlord

[TheFlippingLender @JasonG_TX_RE]

90% of purchase price means we're aligned with you on every deal. We're putting in 90 cents of every dollar. We want this to work as much as you do. That's not just leverage � that's partnership. #HardMoneyLending #REI

[TheFlippingLender @JasonG_TX_RE]

Mold remediation estimates vary by 300%. Got quotes from $2,400 to $11,000 for the same room. The difference was scope interpretation. Make sure every contractor is quoting the same remediation standard. Get it in writing. #RehabTips

[TheFlippingLender @JasonG_TX_RE]

Appraisers aren't psychic. They work from historical sales data. In rapidly appreciating markets, ARV-based hard money lending captures value that a traditional appraisal process literally cannot. That's a structural advantage. #HardMoney #Appraisal

[TheFlippingLender @JasonG_TX_RE]

Tenant story: inherited a tenant who had a verbal agreement with the previous owner for reduced rent in exchange for property management services. No paper trail. New owner couldn't enforce market rent for 14 months. Get it in writing. Always. #LandlordLife

[TheFlippingLender @JasonG_TX_RE]

100% of rehab funded with milestone draws means you're protected from contractors disappearing with cash. We don't release the next draw until the previous phase is verified complete. That accountability is built into the structure. #HardMoney

[TheFlippingLender @JasonG_TX_RE]

Misconception: rehab contingencies are optional padding. They're not. They're actuarial realities. Every experienced investor has had a rehab go sideways. The contingency is what keeps a bad week from becoming a failed deal. #RehabCosts

[TheFlippingLender @JasonG_TX_RE]

Appraisal fact: Fannie Mae requires appraisers to use no more than one distressed sale (REO/short sale) in a 3-comp set. If your market is distressed-heavy, comps can skew in unpredictable ways. Know the rules appraisers are playing by. #Appraisal

[TheFlippingLender @JasonG_TX_RE]

7-day closings require lenders who have done the work before the phone rings. Established relationships with title companies, attorneys, and inspectors who can move fast. That infrastructure is what you're paying for. #HardMoney #REI

[TheFlippingLender @JasonG_TX_RE]

Tenant story: tenant sublet the unit on Airbnb without permission. City fined the landlord (not the tenant) $5,000 for operating a short-term rental without a license. Add STR prohibition clauses to every lease. Every single one. #Landlord

[TheFlippingLender @JasonG_TX_RE]

Up to 93% LTC. We've had borrowers do deals with under $20k out of pocket because the numbers worked and the equity was real. That's not reckless � that's structured leverage on a solid acquisition. #HardMoneyLending #BRRRR

[TheFlippingLender @JasonG_TX_RE]

Plumbing scopes save deals. $350 for a sewer scope before closing has prevented tens of thousands in post-closing surprises on deals I've seen funded. Cast iron, root intrusion, collapsed pipe � all invisible without the scope. #RehabTips #REI

[TheFlippingLender @JasonG_TX_RE]

Appraisals on mixed-use or non-conforming properties are complex. Make sure your lender orders the appraisal from someone with specific experience in that property type. A residential appraiser on a commercial deal is a problem. #Appraisal

[TheFlippingLender @JasonG_TX_RE]

Misconception: hard money rates make deals unprofitable. On a 4-month flip, a 12% annualized rate = roughly 4% total interest cost. If your spread is $60k+, that's a rounding error. Model the full deal before dismissing the rate. #HardMoneyLending