Your offer keeps losing. It's probably not your price.

[Joyce Ann Magallanes]

You find a great property, the numbers work, the seller is motivated. But your conventional lender needs 45–60 days. By then, someone else closed it with cash.

This is where a lot of investors start looking at private financing for the first time. The closing timelines are completely different — we're talking days, not months — and for investment properties specifically, the approval criteria is based more on the deal than the borrower's W-2.

A few things that usually make a deal a good candidate for fast private financing:

• It's a non-owner-occupied investment property
• The numbers have equity built in (purchase price vs. ARV or current value)
• The borrower has some relevant experience

Curious if anyone here has used speed of closing as a competitive advantage when making offers — did it help you negotiate a better price?

If anyone's working on a deal where timing is the issue, feel free to DM me or apply directly here.