Fix & Flip Product 4

Fix & Flip Product 4: Maximum Leverage Option
The "Do More with Less Cash" Solution
If you want to control BIG deals with the LEAST amount of your own money, this is the product that's going to get you excited. We're talking about 92.5% leverage - meaning you could potentially control a $300,000 project with just $22,500 of your own cash.
Let me put that in perspective: Most people save up $22,500 to buy a car. You could use that same amount to control a quarter-million-dollar real estate project. That's the power of leverage working FOR you.
Who This Works For
Credit Requirements:
640+ Credit Score
This is one of the most accessible products for maximum leverage. You don't need perfect credit - just decent credit. 640 credit gets you in the door. Higher credit gets you better rates, but even at 640, you're looking at serious leverage potential.
Property Types:
1-4 Units
Single-family homes
Duplexes
Triplexes
Small apartment buildings (4 units max)
This gives you flexibility to start small or go bigger based on what opportunities come your way.
The Leverage Breakdown
(This is Where It Gets Exciting)
LTC: Up to 92.5% (Loan-to-Cost)
What this means: They'll lend you 92.5% of your total project cost (purchase + rehab).
LTV: Up to 75% (Loan-to-Value)
What this means: They won't lend more than 75% of what the property will be worth when finished.
The safety net: Whichever number is LOWER becomes your loan amount. This protects both you and the lender from overleveraging.
Real-World Example (Let's Do the Math)
The Property Deal:
Purchase price: $300,000
Estimated rehab: Let's say $50,000
Total project cost: $350,000
After-repair value (ARV): $400,000
Loan Calculation:
LTC Calculation (92.5%): 92.5% of $350,000 = $323,750
LTV Calculation (75%): 75% of $400,000 = $300,000
Your actual loan: Lower of the two = $300,000
Your cash needed: $350,000 - $300,000 = $50,000
Wait, that's different from their example! Let me show you their exact scenario:
Their Example (From the Guidelines)
The Deal:
Total project cost: $300,000
After-repair value: $400,000
Loan Calculation:
LTC (92.5%): 92.5% of $300,000 = $277,500
LTV (75%): 75% of $400,000 = $300,000
Your loan: Lower amount = $277,500
Your cash needed: $300,000 - $277,500 = $22,500
See how that works? The lower of the two calculations always wins, which in this case gives you incredible leverage.
What Makes This Product Special
1. 100% Rehab Budget with 4-Day Draws
Translation: They cover ALL your renovation costs, and when you request money for the next phase, you get it in just 4 days.
Why this matters: No more waiting weeks for draw requests. Your project keeps moving, contractors stay happy, and you maintain momentum.
2. Flexible Terms: 13, 19, or 24 Months
Choose based on your project:
1
13 months
Quick flip, confident timeline
2
19 months
Moderate renovation, want some cushion
3
24 months
Major rehab or want maximum timeline flexibility
3. Defer Lender Origination Fees
Instead of paying fees upfront, you can defer them until you sell the property.
Why this helps: More cash stays in your pocket during the project for unexpected expenses or opportunities.
4. Competitive Rates: As Low as 8.45%
For a high-leverage product, these rates are very competitive.
Loan Amount Flexibility: $75K to $5M
This range means:
Starting small:
$75K minimum lets new investors begin with smaller projects
Scaling up:
$5M maximum lets experienced investors tackle significant developments
You can grow with this product from beginner deals to major projects.
Monthly Payment Reality
Using the $277,500 loan example:
19-month term at 9% interest-only
Monthly payment: ~$2,081
Total interest over 19 months: ~$39,540
When you sell for $400,000:
1
Pay back loan: $277,500
2
Pay interest: $39,540
3
Pay deferred origination fees: ~$5,550 (2 points)
4
Your profit: ~$77,410
ROI on your $22,500: 344%
That's a 344% return on your invested cash!
The Strategic Advantage
Why Maximum Leverage Matters:
Scenario 1: Traditional 20% Down
$300K project requires $60K down
You can do ONE deal with $60K
Scenario 2: This Product's 7.5% Down
Same $300K project requires $22.5K down
You could potentially do 2-3 deals with that same $60K
More deals = more profit opportunities = faster wealth building
The 4-Day Draw Advantage
Traditional lenders:
2-3 weeks for draw requests
This product:
4 days maximum
Why this matters:
Contractors stay on schedule
Projects finish faster
Less holding costs
Better relationships with your team
More predictable timelines
Fast draws = happy contractors = successful projects
Side Note: I have the construction team that is ready to go for 48 USA states.
My Construction Team
Is This Right for YOU?
This Product is PERFECT If You:
✅ Have 640+ credit score
✅ Want maximum leverage to do more deals
✅ Can handle interest-only monthly payments
✅ Want fast access to rehab funds (4-day draws)
✅ Are working on 1-4 unit properties
✅ Want to defer upfront fees until you sell
✅ Are comfortable with 13-24 month timelines
This Might NOT Be Right If You:
❌ Prefer no monthly payments (consider Product 1)
❌ Want to work on larger multifamily properties (5+ units)
❌ Are looking at projects under $75K
❌ Prefer to pay all fees upfront rather than defer them
Comparing Maximum Leverage Options
The Bottom Line
This product is about doing MORE with LESS. Instead of tying up $50-60K in one deal, you could potentially control 2-3 deals with the same capital.
For single moms building wealth, this approach means faster portfolio growth and more opportunities to generate income from real estate investing.
The 4-day draws and deferred fees remove common friction points that slow down or derail projects.
Next Steps
Ready to see how maximum leverage could accelerate your real estate goals?
Schedule a Call
On our call, we'll discuss:
Your credit score and qualifying rates
How much cash you have available for multiple deals
Your comfort level with higher leverage
Specific properties or markets you're targeting
How 4-day draws could improve your project timelines
Getting connected with lenders who offer this maximum leverage
This isn't just about one deal - it's about leveraging your capital to build wealth faster through multiple opportunities.
The wealthy use leverage to multiply their opportunities. This product puts that same power in your hands with just 640+ credit.