I'm looking for a Local Private Lender

Realtor · Charlotte, NC · Member since 2017 · 359 posts · 293 votes

Hi BP community! I am Realtor here in the Charlotte area and am considering flipping one of my listings. I've done some renovations before on a primary residence that became our rental property, but never a true flip. I'm also used to advising my clients on what it takes to get houses sold, what renovations are a good ROI and what are not. I've got connections for all the work that needs to be done, just need to get the money lined up.

Yes, I know that meetups are a good place to go and is part of my plan, but I thought I'd reach out here in the meantime.

I have already spoken with a hard money lender and since I don't have specific experience with flips, it'll be tough. So, private lending it is! Anyone out there up for a conversation?

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Steve Dorian
Member since 2025 · 25 posts · 11 votes
1y
This is where i thrive. let's connect to discuss options
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Frankie VozziBusiness Member
Member since 2025 · 392 posts · 99 votes
1y
Hey Laura, we work with investors like you and can often structure financing based more on the deal than prior flip experience. I sent you a Dm! let's connect!

[email protected]516-888-7750
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Erik EstradaBusiness Member
Lender · Los Angeles, CA · Member since 2022 · 7k+ posts · 1k+ votes
1y
Quote from @Laura Shinkle:

Hi BP community! I am Realtor here in the Charlotte area and am considering flipping one of my listings. I've done some renovations before on a primary residence that became our rental property, but never a true flip. I'm also used to advising my clients on what it takes to get houses sold, what renovations are a good ROI and what are not. I've got connections for all the work that needs to be done, just need to get the money lined up.
Yes, I know that meetups are a good place to go and is part of my plan, but I thought I'd reach out here in the meantime.
I have already spoken with a hard money lender and since I don't have specific experience with flips, it'll be tough. So, private lending it is! Anyone out there up for a conversation?

You should be able to get financing without experience. Up to 90% LTV with a 720 FICO or better.
You can also structure a partnership with another investor to get experience under your belt.
[email protected]818-269-7983
LuxePrivate Investments LLC 571 Reviews
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Tony B. Brown
Lender · NY · Member since 2021 · 6 posts · 0 votes
1y
Hey Laura, great post and welcome to flips! You’ve already got a lot going for you. I sent you a DM.
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Tyler Reed
Member since 2025 · 35 posts · 14 votes
1y
Good morning Laura, you sound like someone with all the prerequisites to be successful. Shame on that hard money lender for telling you that you need experience to get started utilizing hard money. That is not true.
Find a lender that you feel comfortable working with, and compare a few of them by getting term sheets. You have everything you need to be successful. Good luck!
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Rick Pozos
Wholesaler, Rehabber and Landlord · San Antonio, TX · Member since 2014 · 2k+ posts · 2k+ votes
1y
Sorry to all the lenders. @Laura Shinkle, If I were you, I would talk with past clients that you keep in touch with. You dont need a traditional hard money lender. Let your friends and past clients know what you are doing. If you tell 20 people, several will want to help you. 1 or 2 will have the money to actually help you.
Network with past clients, investors, and even talk with other agents to get in touch with the $$$$. PLUS you have to have a smoking deal to get people excited to lend money to you. AND dont forget to post lots of before and after pics on instagram so that its easier next time you are looking for money!!
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