I’m an active real estate investor with consistent off-market deal flow, looking for a private lending partner who understands creative structures and wants to scale together.

I purchase move-in-ready properties through Cash + Upside / two-step transactions, then quickly relist with minimal prep. These aren’t typical fix-and-flip deals; no rehab is required. The seller defers 25–30% of the purchase price, with that payment contingent on the resale outcome. This holdback helps absorb resale downside and provides a risk buffer for the acquisition lender.

The lending structure:

• First-position lien

• Loan amounts typically 58%–65% of current market value on market-ready homes

• Target payoff under 90 days from deployment

• Each deal reviewed against agreed lending criteria
  

I’m seeking a $500K–$1M capital allocation for repeat loans, starting at a level that fits the lender and scaling toward 4–5 deals per month as we build a track record. As each loan is repaid, those funds go into the next acquisition.

Through my wholesaling business, I consistently source off-market deals, and I’ve seen this strategy work firsthand, which is why I’m shifting more of my deal flow into this model. Larger buyers already use it, and I have the volume to grow with a reliable capital partner. Current markets: GA, AZ, FL and NC, with room to expand wherever the numbers and resale demand support it.

If you value a substantial equity cushion, first-position security, and short holding periods, let’s connect. Happy to share deal breakdowns and settlement statements, discuss terms, and walk through the plan for scaling.