How did you find your PML partner?

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How did you find your PML partner?

Taylor DaschBusiness Member
Real Estate Agent · Temple, TX · Member since 2022 · 1k+ posts · 700 votes

Hey guys, I have noticed that I pass up about 2-3 decent deals/ year due to not really having funding, I also have a mindset where even the smallest wins count so If I can make 15k off a flip - assuming that the numbers are very safe - I am happy to do that and continue it at scale. But I have had trouble finding partners to go in with me on deals like this ( 30k profit) Typically they want to see a percentage which is understandable, but I am wondering how all of you flippers / investors found your PML partner or if yall just use HML ??

[email protected]254-718-4249
Taylor Dasch | EG Realty560 Reviews
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Andrew BoscoBusiness Member
Rental Property Investor · NH · Member since 2023 · 440 posts · 416 votes
1y

I always go to local attorneys and title companies to ask who their preferred and easy lenders are. They love to refer business! 

[email protected]603-833-0951
Andrew Bosco - Candor Investment Group529 Reviews
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  • Andrew BoscoBusiness Member
    Rental Property Investor · NH · Member since 2023 · 440 posts · 416 votes
    1y

    I always go to local attorneys and title companies to ask who their preferred and easy lenders are. They love to refer business! 

    [email protected]603-833-0951
    Andrew Bosco - Candor Investment Group529 Reviews
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    3Reply
  • Brandon Croucier
    Lender · Nashville, TN · Member since 2024 · 700 posts · 284 votes
    1y

    Whats been your constraint? Investors with a good level of experience in flipping can get up to 90% LTV on a purchase + 100% of rehab. Are you not able to come up with the down payment + closing costs on these deals & are looking for someone to come in and fund that portion of the deal?

    1Reply
    • Taylor DaschBusiness Member
      OP
      Real Estate Agent · Temple, TX · Member since 2022 · 1k+ posts · 700 votes
      1y
      Quote from @Brandon Croucier:

      Whats been your constraint? Investors with a good level of experience in flipping can get up to 90% LTV on a purchase + 100% of rehab. Are you not able to come up with the down payment + closing costs on these deals & are looking for someone to come in and fund that portion of the deal?

       I honestly just havent been liquid enough to do a 30k+ down payment. But that is a good idea to just partner for a DP / cc. Thanks for the comment!

      [email protected]254-718-4249
      Taylor Dasch | EG Realty560 Reviews
      WebsiteView Page
      0Reply
  • Marc Walowitz
    Lender · CT · Member since 2023 · 21 posts · 8 votes
    1y
     Taylor, 1st post here, learning to be active here. All good suggestions here. 
    We are would be happy to look at any scenario that makes sense. 
    We represent true hard money for smaller deals, for a quick easy close.
    Happy to chat, Marc
    0Reply
  • Amir Khan
    Investor · Coppell, TX · Member since 2018 · 311 posts · 166 votes
    1y

    @Taylor Dasch if you think big enough, you'll be able to attract all the PMLs you'll need. I do education workshops in collaboration with retirement account custodian companies. This brings in PMLs like clockwork for me. While I don't do fix and flips, many of my PMLs like to do both short and long-term loans. Reach out to me if you have any questions..

    2Reply
    • Asif Shahzad
      Member since 2025 · 29 posts · 1 vote
      1y
      Quote from @Amir Khan:

      @Taylor Dasch if you think big enough, you'll be able to attract all the PMLs you'll need. I do education workshops in collaboration with retirement account custodian companies. This brings in PMLs like clockwork for me. While I don't do fix and flips, many of my PMLs like to do both short and long-term loans. Reach out to me if you have any questions..


       Hi, I am flipping the house in NY/NJ. I am looking for to buy 40-50 apartment building and looking for loan. what would you recommend. Thanks , Asif Shahzad, cell - 7187915768

      0Reply
    • Amir Khan
      Investor · Coppell, TX · Member since 2018 · 311 posts · 166 votes
      1y
      Quote from @Asif Shahzad:
      Quote from @Amir Khan:

      @Taylor Dasch if you think big enough, you'll be able to attract all the PMLs you'll need. I do education workshops in collaboration with retirement account custodian companies. This brings in PMLs like clockwork for me. While I don't do fix and flips, many of my PMLs like to do both short and long-term loans. Reach out to me if you have any questions..


       Hi, I am flipping the house in NY/NJ. I am looking for to buy 40-50 apartment building and looking for loan. what would you recommend. Thanks , Asif Shahzad, cell - 7187915768

      Hey Asif, I only work with PMLs doing residential loans. I think there are plenty of resources on BP that lend on commercial apartment deals...
      0Reply
    • Asif Shahzad
      Member since 2025 · 29 posts · 1 vote
      1y
      Quote from @Amir Khan:
      Quote from @Asif Shahzad:
      Quote from @Amir Khan:

      @Taylor Dasch if you think big enough, you'll be able to attract all the PMLs you'll need. I do education workshops in collaboration with retirement account custodian companies. This brings in PMLs like clockwork for me. While I don't do fix and flips, many of my PMLs like to do both short and long-term loans. Reach out to me if you have any questions..


       Hi, I am flipping the house in NY/NJ. I am looking for to buy 40-50 apartment building and looking for loan. what would you recommend. Thanks , Asif Shahzad, cell - 7187915768

      Hey Asif, I only work with PMLs doing residential loans. I think there are plenty of resources on BP that lend on commercial apartment deals...
      People you are working with can finance rental houses In NY/NJ?
      0Reply
    • Amir Khan
      Investor · Coppell, TX · Member since 2018 · 311 posts · 166 votes
      1y
      Quote from @Asif Shahzad:
      Quote from @Amir Khan:
      Quote from @Asif Shahzad:
      Quote from @Amir Khan:

      @Taylor Dasch if you think big enough, you'll be able to attract all the PMLs you'll need. I do education workshops in collaboration with retirement account custodian companies. This brings in PMLs like clockwork for me. While I don't do fix and flips, many of my PMLs like to do both short and long-term loans. Reach out to me if you have any questions..


       Hi, I am flipping the house in NY/NJ. I am looking for to buy 40-50 apartment building and looking for loan. what would you recommend. Thanks , Asif Shahzad, cell - 7187915768

      Hey Asif, I only work with PMLs doing residential loans. I think there are plenty of resources on BP that lend on commercial apartment deals...
      People you are working with can finance rental houses In NY/NJ?
      My PMLs lend on my projects only. I do teach people on how to get PMLs, DM me for more information
      0Reply
  • Jay HurstBusiness Member
    Lender · Dallas, TX · Member since 2017 · 1k+ posts · 1k+ votes
    1y
    Quote from @Taylor Dasch:

    Hey guys, I have noticed that I pass up about 2-3 decent deals/ year due to not really having funding, I also have a mindset where even the smallest wins count so If I can make 15k off a flip - assuming that the numbers are very safe - I am happy to do that and continue it at scale. But I have had trouble finding partners to go in with me on deals like this ( 30k profit) Typically they want to see a percentage which is understandable, but I am wondering how all of you flippers / investors found your PML partner or if yall just use HML ??


     We are a lender, that is what we do for a living. So, I guess that makes us not a PML? I have never really understood the difference between these two unless you are looking for unsophisticated folks to give you money on deals that do not make sense to lend on. The reality is that a loan that does not make sense to lend on does not make sense to buy in the first place. There should be room for everyone to make money or the deal is just to tight to leverage. (leverage does cost money or why would anyone take the risk?)  

    If more investors saw their lenders as partners, instead of transactions you would understand that advantages of that. We do deals cheaper for repeat borrowers and we do deals that we might not with repeat known borrowers. Just yesterday we closed on a deal at 80% ARV with nothing into the deal except closing costs for a known quantity borrower. (Not every deal would work for even known borrowers like that but this deal's parameters allowed for it including a small rehab budget, so small hold back even at 75% ARV but the point is when you have a relationship not every thing is cut and dry. When a borrower treats the lender like a commodity expect to be treated in kind.

    Hurst Real Estate, INC4.987 Reviews
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    • Taylor DaschBusiness Member
      OP
      Real Estate Agent · Temple, TX · Member since 2022 · 1k+ posts · 700 votes
      1y
      Quote from @Jay Hurst:
      Quote from @Taylor Dasch:

      Hey guys, I have noticed that I pass up about 2-3 decent deals/ year due to not really having funding, I also have a mindset where even the smallest wins count so If I can make 15k off a flip - assuming that the numbers are very safe - I am happy to do that and continue it at scale. But I have had trouble finding partners to go in with me on deals like this ( 30k profit) Typically they want to see a percentage which is understandable, but I am wondering how all of you flippers / investors found your PML partner or if yall just use HML ??


       We are a lender, that is what we do for a living. So, I guess that makes us not a PML? I have never really understood the difference between these two unless you are looking for unsophisticated folks to give you money on deals that do not make sense to lend on. The reality is that a loan that does not make sense to lend on does not make sense to buy in the first place. There should be room for everyone to make money or the deal is just to tight to leverage. (leverage does cost money or why would anyone take the risk?)  

      If more investors saw their lenders as partners, instead of transactions you would understand that advantages of that. We do deals cheaper for repeat borrowers and we do deals that we might not with repeat known borrowers. Just yesterday we closed on a deal at 80% ARV with nothing into the deal except closing costs for a known quantity borrower. (Not every deal would work for even known borrowers like that but this deal's parameters allowed for it including a small rehab budget, so small hold back even at 75% ARV but the point is when you have a relationship not every thing is cut and dry. When a borrower treats the lender like a commodity expect to be treated in kind.


       Very good point. Ill be hitting you up next time I get something and hopefully we can work it out. I appreciate the insight! 

      [email protected]254-718-4249
      Taylor Dasch | EG Realty560 Reviews
      WebsiteView Page
      1Reply
  • Allen Zhu
    Rental Property Investor · Member since 2021 · 52 posts · 29 votes
    1y

    pm me if you need a pml.

    0Reply
  • Chris SeveneyBusiness Member
    Moderator
    Investor · VA · Member since 2015 · 21k+ posts · 19k+ votes
    1y
    Quote from @Taylor Dasch:

    Hey guys, I have noticed that I pass up about 2-3 decent deals/ year due to not really having funding, I also have a mindset where even the smallest wins count so If I can make 15k off a flip - assuming that the numbers are very safe - I am happy to do that and continue it at scale. But I have had trouble finding partners to go in with me on deals like this ( 30k profit) Typically they want to see a percentage which is understandable, but I am wondering how all of you flippers / investors found your PML partner or if yall just use HML ??


    For some of these smaller deals you could do participation agreements - its like a JV where you put in X percentage and the partner brings the rest, its still one loan so its not a first and second position. See it a lot in commercial real estate on larger loans as credit unions do not like big numbers - it can be used on smaller scale as well.

    7e investments53 Reviews
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    • Taylor DaschBusiness Member
      OP
      Real Estate Agent · Temple, TX · Member since 2022 · 1k+ posts · 700 votes
      1y
      Quote from @Chris Seveney:
      Quote from @Taylor Dasch:

      Hey guys, I have noticed that I pass up about 2-3 decent deals/ year due to not really having funding, I also have a mindset where even the smallest wins count so If I can make 15k off a flip - assuming that the numbers are very safe - I am happy to do that and continue it at scale. But I have had trouble finding partners to go in with me on deals like this ( 30k profit) Typically they want to see a percentage which is understandable, but I am wondering how all of you flippers / investors found your PML partner or if yall just use HML ??


      For some of these smaller deals you could do participation agreements - its like a JV where you put in X percentage and the partner brings the rest, its still one loan so its not a first and second position. See it a lot in commercial real estate on larger loans as credit unions do not like big numbers - it can be used on smaller scale as well.


       Will definitely look into this! I appreciate the comment!

      [email protected]254-718-4249
      Taylor Dasch | EG Realty560 Reviews
      WebsiteView Page
      0Reply
  • Anderson S.Business Member
    Lender · Brooklyn, NY · Member since 2024 · 209 posts · 50 votes
    1y

    How many flips have you done in the last 3 years Taylor?

    [email protected]917-830-7144
    Brooklyn Funding Group59 Reviews
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  • Juan Mateo
    Lender · Marlborough, Mass · Member since 2024 · 34 posts · 2 votes
    1y

    Totally get it—those $15–30k flips may seem small to some, but they add up fast when done consistently. I’m a broker/lender in the non-owner-occupied space, and here’s what I’ve seen work:

    🔹 HMLs are great for speed, and flexibility 

    🔹 For PMLs, relationships are key. Start with friends/family, investor meetups, or local REIAs. Show a track record, even if it’s just deals you underwrote but passed on.

    🔹 Create a 1-page summary of your typical deal—if you can clearly show the lender how they win and that you’re conservative with numbers, they’ll listen.

    You’re on the right track. If you’re consistently finding good deals, the money will come—just show the math and build trust.

    1Reply
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