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Fix & Flip Product 3: Experience-Based Leverage
The "Grow As You Go" Option
Here's what I love about this product: It literally GROWS with you as you gain experience. Your first deal might require more cash down, but every successful project you complete opens the door to better terms on the next one.
Think of it like building credit, but for real estate investing. Each flip you complete successfully proves to lenders that you know what you're doing - and they reward that with better leverage.
Who This Works For
Credit Requirements: 650+ Credit Score
Not the highest credit requirement, but not the lowest either. This is the "middle ground" product that works for most people with decent credit.
Experience Levels: Everyone Welcome
  • New investors: Start here and build your track record
  • Experienced investors: Get rewarded for your proven success
The beautiful thing? You don't need experience to START, but you get better terms as you GAIN experience.
Property Types That Work
This product is FLEXIBLE:
Single-family homes
Condos
2-4 unit properties
Multifamily buildings (5+ units)
Mixed-use buildings
Translation: Whether you want to start small with a single-family home or go bigger with a small apartment building, this product can handle it.
Loan Details
Loan Amount: $100,000 Minimum
This isn't for tiny projects - you need at least a $100K deal to use this product.
Loan Terms: 12-24 Months
  • Interest-only payments - Lower monthly costs during renovation
  • No prepayment penalty - Finish early and save on interest
Additional Benefits:
No DTI (debt-to-income) verification - They don't care what your other monthly obligations are
Minimal borrower documentation - Less paperwork hassle
Some lenders may ask for bank statements - But that's about it
How Experience Affects Your Deal
Here's where it gets interesting. Your experience level directly impacts how much money they'll lend you. Let me show you exactly what that means with real numbers.
The Example Property:
$200,000
Purchase Price
$50,000
Rehab Budget
$250,000
Total Project Cost
$350,000
After Repair Value (ARV)
NEW INVESTOR TERMS (80/100/65)
What those numbers mean:
80%
of purchase price
100%
of rehab costs
65%
of final value maximum
Your Numbers as a New Investor:
  • Purchase coverage: 80% of $200K = $160,000
  • Rehab coverage: 100% of $50K = $50,000
  • Combined loan: $160,000 + $50,000 = $210,000
Safety check (ARV limit):
  • 65% of $350K = $227,500
  • Since $210,000 is less than $227,500 ✅
Your cash needed: $250,000 - $210,000 = $40,000
EXPERIENCED INVESTOR TERMS (90/100/75)
What those numbers mean:
90%
of purchase price (higher!)
100%
of rehab costs (same)
75%
of final value maximum (higher!)
Your Numbers as an Experienced Investor:
  • Purchase coverage: 90% of $200K = $180,000
  • Rehab coverage: 100% of $50K = $50,000
  • Combined loan: $180,000 + $50,000 = $230,000
Safety check (ARV limit):
  • 75% of $350K = $262,500
  • Since $230,000 is less than $262,500 ✅
Your cash needed: $250,000 - $230,000 = $20,000
The Experience Difference
Let's see what experience gets you:
Translation: Once you prove yourself with a few successful flips, you can do the SAME deal with $20,000 less of your own money. That extra $20,000 can fund another project!
How to Build Your Experience
"But Chimere, how do I get experience if I need experience to get better terms?"
Start with what you can get:
Do your first deal
with new investor terms (80/100/65)
Complete it successfully
on time and on budget
Document everything
before/after photos, profit & loss statements
Apply for your second deal
with better terms
Each successful project builds your credibility and opens doors to better financing.
The Strategic Advantage
Why This Progression Matters:
First Deal:
  • Requires $40,000 cash
  • Proves you can execute
  • Builds relationship with lender
Second Deal:
  • Requires only $20,000 cash
  • You have $20,000 MORE to invest elsewhere
  • Can potentially do TWO deals simultaneously
This is how you build momentum in real estate investing - each deal makes the next one easier and more profitable.
Monthly Payment Reality Check
Using our $210,000 loan example (new investor):
9%
Interest Rate
18-month term at interest-only
$1,575
Monthly Payment
$28,350
Total Interest
over 18 months
When you sell for $350,000:
  • Pay back loan: $210,000
  • Pay interest: $28,350
Your profit: ~$111,650
ROI on your $40,000: 279%
Not bad for your first deal!
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:
  • ✅ Have 650+ credit score
  • ✅ Want to start with new investor terms and earn better ones
  • ✅ Can handle minimum $100K loan amounts
  • ✅ Like the idea of earning better leverage over time
  • ✅ Want flexibility in property types
  • ✅ Are comfortable with interest-only monthly payments
This Might NOT Be Right If You:
  • ❌ Want the absolute best terms right away (try Product 2 if you have 700+ credit)
  • ❌ Prefer no monthly payments (try Product 1 deferred option)
  • ❌ Want to start with smaller deals (under $100K)
  • ❌ Don't want to provide any bank statements
The Progression Strategy
Here's how I see this working for ambitious single moms:
1
Year 1
Complete 1-2 deals with new investor terms
2
Year 2
Use experienced investor terms for better leverage
3
Year 3+
Scale up with the relationships and credibility you've built
Each deal doesn't just make you money - it makes future deals easier and more profitable.
The Bottom Line
This product rewards growth and learning. You start where you are, prove yourself, and earn better terms as you go. It's like getting a promotion in real estate investing.
For single moms building wealth, this progression approach means you're not stuck with beginner terms forever. Your success gets recognized and rewarded financially.
Next Steps
Ready to see how this experience-based approach could work for you?
📅 [Schedule Your Strategy Call ]
On our call, we'll discuss:
Whether you'd start as "new" or already qualify as "experienced"
How much cash you'd need for your first deal
Your strategy for building experience and earning better terms
Specific properties or markets you're considering
Getting connected with lenders who offer this progression
This isn't just about one deal - it's about building a system that gets easier and more profitable over time.
Every expert was once a beginner. This product makes sure your beginner phase doesn't last longer than it has to - and rewards you as you grow.