What’s Been Your Go-To Financing for Flips Lately?

Question

Hey BP community,

I’m curious — for those of you actively flipping right now, what kind of financing are you finding most reliable?

• Are you still working with traditional banks, even with their slower timelines?
• Have you been leaning on hard money or private lenders for speed?
• Anyone trying creative financing options (partnerships, seller carry, etc.)?

Are you still working with traditional banks, even with their slower timelines?

Have you been leaning on hard money or private lenders for speed?

Anyone trying creative financing options (partnerships, seller carry, etc.)?

The market feels a little different these days, and I’d love to hear what’s working best for everyone to keep projects moving.

Erik Estrada · Answer

There has been a strong tick up in hard money and DSCR financing lately.

Andy Gonzales · Answer

Great question — I’ve found that private and hard money have been the most reliable lately, especially with how cautious banks have become. Traditional financing is just too slow for most flips right now.

Private lenders who maintain conservative underwriting are still funding strong deals without much slowdown. Creative structures like seller carry or JV partnerships are also picking up — they’re great tools when used on the right projects.

Overall, access to capital is still there, but it’s definitely favoring experienced investors who bring solid numbers and a clear exit plan.

What’s Been Your Go-To Financing for Flips Lately?

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