{"id":183955,"date":"2025-07-23T11:23:12","date_gmt":"2025-07-23T17:23:12","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=183955"},"modified":"2025-07-30T11:07:24","modified_gmt":"2025-07-30T17:07:24","slug":"how-i-funded-a-flip-with-zero-dollars-out-of-pocket","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/how-i-funded-a-flip-with-zero-dollars-out-of-pocket","title":{"rendered":"How I Funded a Flip With Zero Dollars Out of Pocket"},"content":{"rendered":"\n

This article is presented by Dominion Financial<\/a>.<\/em><\/p>\n\n\n\n

A few months ago, I stumbled onto a property that looked like the perfect <\/span>flip<\/span><\/a>. It was a tired but solid three-bedroom home in a neighborhood I <\/span>knew well<\/span>. Nothing scary structurally, just cosmetic stuff: outdated tile, beat-up cabinets, popcorn ceilings. <\/span><\/p>\n\n\n\n

The <\/span>comps<\/span><\/a> were strong, the spread looked good, and my contractor was available to start next week. There was just one problem: I didn\u2019t have the cash.<\/span><\/p>\n\n\n\n

Like many investors, most of my money <\/span>was tied up<\/span> in another project. I could\u2019ve called a partner, but I didn\u2019t want to give up half the profit for a project I\u2019d be running solo. <\/span><\/p>\n\n\n\n

I thought about passing on the deal. But instead, I made a call, and that changed everything: I called Dominion Financial.<\/span><\/p>\n\n\n\n

A Different Kind of Loan<\/span><\/h2>\n\n\n\n

I\u2019d heard <\/span>Dominion Financial<\/span><\/a> had<\/span> a bridge loan product that <\/span>actually<\/span> covered 100% of both the purchase and the <\/span>rehab<\/span>.<\/span> I assumed it was one of those \u201ctechnically true\u201d situations where you end up needing 10% to 20% down anyway. <\/span><\/p>\n\n\n\n

However, they reviewed the numbers, requested the scope of work, and within 48 hours, I had received full approval. No appraisal. No endless paperwork. No personal gymnastics to pull equity out of another deal. <\/span>A loan that <\/span>did what it said it would<\/span>: funded the entire project from start to finish.<\/span><\/p>\n\n\n\n

Here\u2019s what made it work:<\/span><\/p>\n\n\n\n