For Experienced Flippers: How Do You Handle Closing Costs Without Eating Your Reserve

[Star Moses]

Hey everyone,

I’ve been chatting with a few experienced investors lately and noticed something — even the guys doing 10+ flips a year are still using their own cash for closing costs and initial rehab draws.

I get it — it’s “normal,” but is it smart?

If you’re flipping 3+ properties a year, that cash you’re putting into each deal could be closing another one instead. Even a 2% closing cost on a $300k purchase is $6k that could be funding a deposit on your next deal.

I’ve seen some lenders claim to fund 100% but then require “interest reserves” upfront — which is just closing costs in disguise.

So here’s my question:

For the flippers doing 5+ deals a year:

• Are you still fronting closing costs?

• Have you found a way to roll them in?

• Or do you just budget for it and move on?

Curious to hear how you’re structuring your financing to maximize your pipeline.