Protect Your Personal Credit While Flipping Houses—Here’s How

[Virgil Moore]

If you’re flipping houses, you already know access to capital is everything. But here’s a question most investors don’t think about until it’s too late: How do you protect your personal credit while funding your deals?

I see it all the time—investors maxing out personal credit cards, taking out high-interest personal loans, or worse, using their own name to personally guarantee every deal. It works… until it doesn’t. One bad flip, one market slowdown, or one unexpected expense can tank your personal credit, making it harder (and more expensive) to fund future deals.

Here’s How to Keep Your Personal Credit Safe While Flipping:

1️⃣ Separate Personal & Business Credit

If your business isn’t already using its own credit profile, you’re putting yourself at risk. You want lenders looking at your business—not your personal credit score—when you apply for funding.

2️⃣ Use Business Credit Cards Instead of Personal Ones

Most investors don’t realize business credit cards don’t report utilization to your personal credit. That means you can put $50K-$100K in rehab costs on a business card without killing your personal score.

3️⃣ Leverage 0% Interest Business Credit Stacking

Instead of hard money loans with 12-15% interest, smart investors are using 0% interest business credit to fund their flips. This keeps cash flow flexible, eliminates high carrying costs, and helps you scale faster.

4️⃣ Make Sure You’re PG’ing the Right Way

Personal guarantees (PGs) are often required, but not all PGs are created equal. Some lenders will lock you into terms that can hurt you long-term, while others structure it in a way that protects you. Understanding the difference is key.

I’ve helped plenty of real estate investors get the right business funding in place so they can scale without risking their personal credit. If you’re flipping (or want to start) and need access to the right funding options, send me a message—I’m happy to point you in the right direction.

What strategies are you using to protect your credit while funding deals? Drop a comment—I’d love to hear what’s working for you!

[Jay Hinrichs]

Virgil you cant spam  BP like your doing today with post after post of self promotion.

be careful the Mods will make you take a break :)