Fix & Flip Deferred Payment Loan
The "No Monthly Payment Stress" Option
Listen, I know looking at loan products can feel overwhelming. This is the loan product I wish someone had explained to me in plain English when I was trying to figure out how to get into real estate. So let me break it down like we're sitting at the kitchen table having coffee.
What "Deferred Payment" Really Means
In simple terms: You don't make any monthly payments while you're renovating the property. Think about it - when you're in the middle of a flip, your money is already tied up in contractors, materials, permits, plus your regular life expenses. The LAST thing you need is a mortgage bill hitting every month.
No monthly mortgage payments while you work
No stress about covering payments during delays
More cash flow for your project
You pay it all back when you sell or refinance
Translation: It's like having a built-in financial cushion while you work. You can focus on getting the house done RIGHT instead of scrambling to make payments.
Who This Works For
Credit Requirements (And Why They're Not Scary)
640+ credit score - That's it!
720+ credit? You're looking at around 9.99% interest
640 credit? Around 12-13% interest
Real talk: Don't let those higher rates scare you. If you're making $50K-$100K profit on a flip, that interest is just the cost of doing business. It's like paying for a tool that makes you money.
Experience Level
New investors? Welcome! This is actually perfect for beginners
Experienced investors? They'll look back at your last 5 years for even better terms
Here's the thing: Your track record affects your down payment - but it doesn't keep you from qualifying. Everyone starts somewhere.
The Money Breakdown (Let's Get Specific)
$75K
Minimum Loan
Starting point for smaller projects
$2.5M
Maximum Loan
For larger investment properties
10-20%
Down Payment
Lower percentage for experienced investors
$50K
Property Value Minimum
Based on VALUE, not just what you paid
Important: This is based on VALUE, not just what you paid
Example: You buy a distressed house for $30K, but the property is actually worth $60K (just needs work).
✅ You still qualify because the VALUE is over $50K.
How Much Cash Do YOU Need?
(psst… I have a connection for getting you the downpayment money..)
New Investor Example:
House costs: $200,000
Your down payment (20%): $40,000
Loan covers: $160,000
Experienced Investor Example:
Same $200,000 house
Your down payment (10%): $20,000
Loan covers: $180,000
See the difference? The more experience you build, the less cash you need upfront. Your first deal opens the door to easier second, third, and fourth deals.
Timeline: Speed When You Need It
Closing: 10-14 Business Days (Often Faster!)
Compare that to:
Traditional bank approval taking 30-60 days
Why this matters:
- You can compete with cash buyers
- You won't lose deals while waiting for approval
- You can move on good opportunities FAST
Loan Terms: Choose What Fits Your Project
6 months
Quick cosmetic flip
12 months
Moderate rehab project
18 months
Major renovation
The flexibility is YOURS. Pick the timeline that makes sense for your specific project and comfort level.
What Makes This Easy to Qualify For
What They DON'T Ask For:
❌ No tax returns required
❌ No bank statements required
❌ Only soft credit pulls (won't hurt your credit score)
What They DO Care About:
✅ The property's value and potential
✅ Your down payment capability
✅ Your realistic plan for the project
This is refreshing, right? They're focused on the DEAL, not digging through your personal financial history.
Where This ISN'T Available
Sorry to these areas:
Chicago, Illinois
New Orleans, Louisiana
California
Rhode Island
If you're in these areas, don't worry - I have other products in my network that will work for you. There's always a solution.
Real-Life Example (Let's Do the Math)
Let me show you exactly how this could work:
The Property:
Purchase price: $150,000
Estimated rehab: $40,000
Total project cost: $190,000
After-repair value (ARV): $280,000
Your Investment:
Down payment (20% for new investor): $30,000
Loan covers: $160,000 (purchase + rehab funding)
During Renovation (6 months):
Monthly payment: $0 (deferred!)
All your cash goes toward finishing the project, not payments
When You Sell for $280,000:
Original loan: $160,000
Interest accumulated over 6 months: ~$8,000-$10,000
Total payback: ~$168,000-$170,000
Your profit: ~$80,000-$85,000
ROI on your $30K: 250%+ return
Important note: "Deferred" doesn't mean free - the interest builds up and gets paid when you sell. But you're not stressed about monthly payments while renovating.
Side Note: I have the construction team that is ready to go for 48 USA states.
Is This Right for YOU?
This Product is PERFECT If You:
✅ Want to minimize cash flow stress during renovation
✅ Have 10-20% to put down but want to preserve monthly cash flow
✅ Are confident in your timeline (6-18 months)
✅ Want to focus on the project, not monthly payments
✅ Are ready to get started in real estate investing
This Might NOT Be Right If You:
❌ Prefer predictable monthly payments
❌ Plan to hold the property long-term as a rental
❌ Are in one of the excluded states
❌ Aren't comfortable with accumulated interest
The Bottom Line
This loan gives you breathing room while you flip. No monthly payments. No bank paperwork headaches. Just focus on the work and sell when you're ready.
More importantly, this is often the FIRST tool that gets single moms into real estate investing. It removes the monthly payment stress that scares so many people away from their first deal.
Remember: Every successful real estate investor had to do their first deal. This product is designed to make that first deal (and every deal after) more manageable financially.
Next Steps
Ready to see if this works for your situation?
On our call, we'll go over:
The real numbers for your specific project or area
How much cash you'll realistically need to bring - and the resource that I have for getting you the downpayment money
What timeline makes sense for your goals and experience
Getting you connected with the right lender in my network
This isn't about pressure or sales pitches. It's about finding the right financial tool to get you in the game and start building generational wealth for your family.
The goal isn't to use every loan product available. The goal is to find the ONE tool that gets you started building the financial future your family deserves.