🟢 Looking for Lenders/Partners for 100% Financing on Sub-$80K Section 8 Rentals

[Eduardo Cambil]

Hey BiggerPockets community 👋,

My name is Eduardo Cambil, and along with my U.S.-based business partner Rudy, we’re actively acquiring high-yield turnkey and light-value-add rental properties under $80K — primarily in Texas markets like Lubbock, Wichita Falls, and Abilene.

We’ve developed a repeatable acquisition model and are now looking to connect with hard money lenders, private lenders, or JV partners who can help us finance 100% of the deal (purchase + closing + minor rehab if needed).

✅ Our Strategy (Buy–Rent–Refi with DSCR)

1. Acquire below-market properties (usually $50K–$80K) that are turnkey or need minimal work

2. Lease immediately to Section 8 tenants – strong, guaranteed rents (typically $1,200–$2,300/month)

3. Stabilize in 1–3 months

4. Refinance with DSCR lenders at 75–80% of ARV within 6–12 months

5. Recycle capital to scale portfolio and repeat

🔎 What We’re Looking For

We’re seeking lenders/partners who can help fund:

• 95–100% of purchase price

• Optionally cover closing and light rehab costs

• Interest-only payments are fine — short-term (6–12 months)

• We provide full transparency: comps, leases, exit plan, and communication

🏡 Example Deal (Recent)

• Location: Lubbock, TX

• Purchase Price: $58,000

• Section 8 Rent: $1,430/month

• ARV: $100K–$110K

• DSCR Refi Target: $75K+ in 6 months

• Net Cash Flow (while holding): ~$500–$600/month after debt service

We’re closing deals like this now and want to scale fast using private or creative lending partners.

💬 Who We Are

• Eduardo Cambil – European investor/operator managing acquisitions, underwriting, and operations

• Rudy Arrecis – U.S.-based co-borrower (credit ~690), boots on the ground, overseeing inspections, closings, and leases

• Investing through a Texas LLC

• Transparent, ethical, committed to win-win partnerships

If you're a private lender, hard money lender, or small funder open to financing lower-priced deals with solid cash flow and quick refinance exits — let’s talk.

We’d be happy to send you a 1-page summary, full deal package, or hop on a quick intro call.

Thanks in advance 🙏
Eduardo