Contractor Draw Schedules and Who pays for Materials

[Sean Salandy]

I am planning to use a Hard Money Lender to complete a rehab. I am assuming I will need to set up a draw schedule for any potential contractors. So far, the contractors I have contacted are expecting me to pay for all materials up front. Is this normal practice? If I am working with a draw schedule, how would I pay for materials if they are not scheduled to be paid until after certain milestones are complete? Shouldn't the contractor pay for the materials?

Thank you.