All Forum Posts by: Don Konipol

At first I thought the OP was just trying to promote his services, and was being stubborn refusing to admit his obvious false statements (lies) when called out. But with his persistence at continuing to “double down” on obviously incorrect statements, attempting to “massage” explanations at to what the statements were really intended to mean, and especially his PERSONAL attacks on people who disagreed with his position or called out his many contradictions, it’s become obvious that he has an out of control ego issue. The following are quotes taken from the OP posts whereby he engages in personally attacking a poster who disagrees with him

So do yourself a favor and stay in your lane. You don’t know this game, and that’s obvious. Stop commenting on my post and move on mad old man.

Me informing investors is self promotion? Did I speak about any service I offer? It’s funny that ALL of the lenders (competition) have something to say, don’t you have meetings or something to attend to? It’s a Monday, get after it! Because if content is allowed then why are you taking time out your “busy” day to comment on MY post? Like I told the other gentleman, stay in YOUR lane

I’m confident in the model and its benefits, but this will be my last response as it seems we’re not on the same page here. Go work on your “business” and mind the business that pays you, if it does.

All of you guys can join together to say whatever it is you what to say but what I stated is all facts. Like I told the other gentleman, go get educated and learn about what you don’t know about lol, which is this. Good day Powder, I mean James lol. A business owner can’t benefit from 0% interest? lol you guys are insane.

Because you don’t know ANYTHING about business credit, you said something crazy about a 30 day interest, you made yourself look dumb. None of this wouldn’t have happened if you didn’t comment on my post being a hater! Now stop before you hurt yourself, you’re too old to be this mad lol.

You’re lying saying that I’m lying, also I’m not reading that because you can’t spell! Lying is not spelled like this: “lieing”. Go get educated in business credit it’s not the same as personal credit. Once you do that then come talk to me, until then. You’re a non-factor!

Dude, what are you talking about? When have I ever not said that someone wouldn’t have to PG? Stop commenting without knowing what your talking about! It shows the lack of intelligence on your part.

If you go look at my VSL I speak about having to PG, you both are so worked up you must not be making any money. So you’re mad at me.

But like I said the other day, I’m not giving you haters no more energy!

You sound like a hypocrite for one because it doesn’t matter what funding option somebody chooses to use, there is a chance that the investment will or won’t work, that’s risk. That’s what being an entrepreneur is all about. You should know, you’re a hard money lender. And you don’t have to explain what debt collectors do, everyone knows debt is bought and sold. You’re making yourself look crazy but even saying what you’re saying.

“One of the most powerful (yet underutilized) tools is business credit card stacking. It allows investors to access $50K–$250K in 0% interest funding—without putting personal assets at risk.”

So, for anyone who doesn’t completely understand, the above is part of the OPs original “post”/advertisement concerning business credit cards .  As can be seen, he states that borrowing money via business credit cards does NOT place a borrower’s personal assets at risk.  The issue is that this is just plain incorrect.  The borrower signs a personal guarantee, which, in the event of default places all of their assets, including personal assets, at risk of being forfeited.  When confronted with this, the OP chose to provide a convoluted reason as to why this risk was somehow less risky than providing specific collateral.  In actuality this is more risky; with specific collateral, such as real property, the lender must hold a foreclosure sale and only the DEFICIENCY amount is subject to judgement; in most cases the borrower can sign a”deed in lieu” and receive a release from any additional liability.  In an unsecured loan there is no property to liquidate; the lender will just obtain a judgement for the principal, back interest, legal fees, late fees, and costs and the borrower will owe that amount.  Again, a totally incorrect statement by the OP. 
Let me also state that I have been active on BP since 2009.  I’ve seen many different types of participants.  The ones most active across ALL forums always speak the truth as they see it.  They maintain  no bias to promote whatever aspect of real estate they’re involved in.  They feel that by being truthful, with timely, sage advice their contribution will be recognized, and any business generated as such is merely a bonus.

Another type of participants is one whose first post is some kind of ad for a service or product they happen to be selling.  Characteristically their posts read like an AI generated Google page, or a slick website from a Guru.  The answer to any problem is the service they sell, whether it be life insurance, credit card stacking, subject to financing, hard money loans, wholesaling, or the even crazier versions, like “infinity banking” etc. It’s not that the service itself or method isn’t legit, it’s that misinformation usually concerning risks, applicability, pricing, etc. is being spread. When called out they ALWAYS resort to personal attacks, name calling, and convoluted reasoning.  

Quote from @James Hamling:

Quote from @Virgil Moore:

Quote from @James Hamling:

Quote from @Virgil Moore:

Quote from @Ken M.:

Quote from @Virgil Moore:

Quote from @Jay Hinrichs:

Quote from @Joe S.:

Virgil… The bigger pocket forms are quite unique. They tend to get a bit contentious from time to time. A new user probably would not know that until…..

Some posters try not to get into debates and other posters gravitate to them like a moth to the fire. And some of the folks that gravitate toward being contentious know quite a bit….

It probably seemed that people were ganging up on you and I guess they were. Lol.

I think one of the things that really caused some posters to become alarmed was the comment that business credit cards are not personally guaranteed. ( with all the business credit cards I’ve ever seen were personally guaranteed.) Which, if a person defaults on a card, it is almost a sure thing that it will get reported at the very least to the person’s credit report. Anyways, you seem to have a lot of spunk and I hope you do well in life. Remember some pushback can cause a person to reevaluate their product and learn it better and if they did not fully understand the product prior to they can make adjustments in their presentation. (I know it’s easier said than done so thanks for being patient with my little discourse.)

I'm not sure what company you're working for, but think about getting connected with a lender that offers long-term DSCR Loans. If not, you probably could partner with one at the very least as a referral. If a person takes down a property by Credit Card stacking they definitely need someone to help them get a long-term loan in place and pay off the credit cards as soon as possible.

Best regards 

Joe my reason for chiming in was not really the CC teaser rates or business credit which is filled with a lot of shall I say not ready for prime time folks.  Was simply spamming the site with about 3 or 4 of the same posts within about an hour of each other and clearly designed to drive business to himself.. U know in the old days of BP the post would have been taken down and the OP would be encouraged to purchase advertising space on BP.  Which he should probably do if he wants to sell this product.

The other issue is like many are pointing out there is huge risk of going from 0% to 24% and finding one buried in CC debt..  I have clients that I rent our money to that use cards to fill the gap when doing rehabs.. but many are refinancing and fico is critical so one has to be careful. 
Banks have unsecrued LOC's that are not reported I have two of them with different banks but these are VERY difficult to secured and require 6 figure deposit relationships to 7 figure deposit relationships.. So these Credit facilities exists  0% teasers exists they just can be quite dangerous for a newer or new flipper.. We see it all the time BP when folks run out of money on a flip :)

Jay, I appreciate your perspective, but I want to clarify a few things. My intent in posting wasn't to spam or push a product—it was to educate and offer a different financing perspective in a space that's largely dominated by hard money discussions. I made distinct posts tailored to different investor strategies (Fix & Flip vs. BRRRR) because different investors have different needs.

I also find it interesting that initially, many claimed 0% interest business credit was impossible, but now the conversation has shifted to acknowledging its risks instead. That tells me the skepticism isn’t about whether it works, but rather how it’s used—which is exactly why education is important. Yes, there’s risk in transitioning from 0% to a higher interest rate, but that’s true of any financing option, including hard money loans. Plenty of successful investors use business credit responsibly to scale their businesses without running into financial ruin.

I get that some people have had bad experiences with credit stacking, but that doesn’t mean it’s inherently a bad strategy—it just means it’s not the right fit for everyone, just like hard money isn’t. My goal isn’t to convince people to take unnecessary risks but to present an alternative option that has worked for many. I’m also not out here calling hard money a scam or saying business credit is the only way, yet I see plenty of people here dismissing business credit altogether while promoting their own preferred funding methods.

At the end of the day, every financing tool has its place, and investors need to be educated on how to use them properly. If someone isn’t comfortable with it, they shouldn’t use it—but that’s true for any financial decision. My goal is to contribute value, not spam the forum, and I’ll continue sharing insights that might help investors make informed choices.

Your comment "My intent in posting wasn't to spam or push a product—it was to educate"

Interesting, so you do this for free? Or do you make a commission for developing new leads? No shame in it, it's just nice to now up front where the motive is.

It’s a no brainer why I’m here, I’m here for the same reason why you’re here. To network. I shouldn’t have to explain the obvious. 

See, this is a great example of the issue I have with you Virgil. 
At best it's 2-faced.
To be more accurate it's lies, deception, distortion, manipulation...... 
And when the truth is drug out of you, it comes with insults and anger over having truth uncovered.

You justify your deceptive practices via holding an assumption "everyone else is doing it too". People rob banks every day too, doesn't make it ok. Not to mention NO not everyone is doing it, not even most, many, or even half. 

This all started when you lied about the repercussions of stacking all these credit lines. You went out of your way to obfuscate the very important and significant detail of Personal Guarantee. You went to extent in arguing on it to NOT have it fully disclosed and comprehended. 

When I am speaking to a crowd, on a webinar, in person 1-on-1 or here on BP discussing some investment or investment strategy I understand I also bear a burden of disclosure to the potential negative impactors. This is 101 to presenting such item of "education". 

And the excuse of an assumption of a persons pre-existing knowledge of such is an oxymoron to your stated premise of educating people on something they don't know or are not aware of. They can't already know of the details of it when you have specified they don't know of it and your "educating" them of it. THUS you bear a burden of FULL disclosure. 

If you had followed that, I don't think anyone would have had any issues. All the issues I have read are not "Errrr we sell hard-$ so we hate what your saying, errrrrr", no, it's been people CORRECTING the false and/or misleading information you stated and then calling for DISCLOSURE. 

 Dude, what are you talking about? When have I ever not said that someone wouldn’t have to PG? Stop commenting without knowing what your talking about! It shows the lack of intelligence on your part.

I said, you went out of your way REPEATEDLY to OBFUSCATE the very important detail of P.G.. 

That was being "nice" because you also out right made efforts to DISTORT and INFER very incorrect assumptions as to PG. You said "But saying personal assets are at risk is misleading". WRONG; being a PG means you are personally guaranteeing a loan, and EVERYTHING is attachable, including all your personal assets. 

You use word play to OBFUSCATE on the very important and key item of Personal Guarantee. I am betting that's the #1 push back you get from people on doing this and paying your 10%, so you take this action to OBFUSCATE on it. 

That is intent. 

I'd argue MALICIOUS intent. 

It's all across pg1 of this thread.

I label you a CON.

Because in my experience only CON's go to the extents and actions you have shown here to OBFUSCATE, distort, spin and use insults of things like skin color or ageism as a defense. 

Business credit is a legit tool. You Virgil are FARrrrrr from a legit individual in the space. 

“One of the most powerful (yet underutilized) tools is business credit card stacking. It allows investors to access $50K–$250K in 0% interest funding—without putting personal assets at risk.”

Quote from @Jay Hinrichs:

Quote from @Joe S.:

Virgil… The bigger pocket forms are quite unique. They tend to get a bit contentious from time to time. A new user probably would not know that until…..

Some posters try not to get into debates and other posters gravitate to them like a moth to the fire. And some of the folks that gravitate toward being contentious know quite a bit….

It probably seemed that people were ganging up on you and I guess they were. Lol.

I think one of the things that really caused some posters to become alarmed was the comment that business credit cards are not personally guaranteed. ( with all the business credit cards I’ve ever seen were personally guaranteed.) Which, if a person defaults on a card, it is almost a sure thing that it will get reported at the very least to the person’s credit report. Anyways, you seem to have a lot of spunk and I hope you do well in life. Remember some pushback can cause a person to reevaluate their product and learn it better and if they did not fully understand the product prior to they can make adjustments in their presentation. (I know it’s easier said than done so thanks for being patient with my little discourse.)

I'm not sure what company you're working for, but think about getting connected with a lender that offers long-term DSCR Loans. If not, you probably could partner with one at the very least as a referral. If a person takes down a property by Credit Card stacking they definitely need someone to help them get a long-term loan in place and pay off the credit cards as soon as possible.

Best regards 

Joe my reason for chiming in was not really the CC teaser rates or business credit which is filled with a lot of shall I say not ready for prime time folks.  Was simply spamming the site with about 3 or 4 of the same posts within about an hour of each other and clearly designed to drive business to himself.. U know in the old days of BP the post would have been taken down and the OP would be encouraged to purchase advertising space on BP.  Which he should probably do if he wants to sell this product.

The other issue is like many are pointing out there is huge risk of going from 0% to 24% and finding one buried in CC debt..  I have clients that I rent our money to that use cards to fill the gap when doing rehabs.. but many are refinancing and fico is critical so one has to be careful. 
Banks have unsecrued LOC's that are not reported I have two of them with different banks but these are VERY difficult to secured and require 6 figure deposit relationships to 7 figure deposit relationships.. So these Credit facilities exists  0% teasers exists they just can be quite dangerous for a newer or new flipper.. We see it all the time BP when folks run out of money on a flip :)

I have no problem with cc loans  - IF the OP does not post misinformation and fully discloses the downside.  We can argue about risk - that’s a judgement call.  Providing misleading wording intending your “victim” to believe that business cc debt has no personal liability, and doesn’t affect credit capacity, is a downright lie.  That is a fact, not personal judgement.  We’ve way past the point where salespeople can say anything and have naive consumers believe them.  With the online forums available, anyone advertising or soliciting should be cognizant of the fact that any statement they make in their “advertising” will likely be called out and or challenged.  Putting out an ad disguised as a discussion topic and led by three bullet points two of which are false, is going to elicit quite a negative response.  This is true of any site where the participants CARE.  The OP originally posted his “advertising” on LinkedIn about 35 days ago.  The reason he got no negative response is on LinkedIn NOBODY CARES, as the whole site is full of bs thinly disguised promotions.  

Had the OP posted something like “ I sell the service of business cc and here’s why I believe they’re advantageous for RE investors” he would have been received quite differently.  Further, if his response when called out on the personal liability/assets at risk issue where something like “ I didn’t mean to mislead - you’re right here’s what I should have said” the whole vibe would be much different.  But doubling down on a false statement; attacking the motivation and ethics of long term BP posters; failing to address questions; and engaging in repeated arguments with posters, is not going to lead to a successful marketing campaign. 

Quote from @Terra Padgett:

Instant liquidity or long-term asset growth? What's your pick? 

If I was in Germany in the late 1920s during hyper inflation, or in any one of a number of South American countries with 800% inflation per year, I’d take the real estate equity, hands down.  

A lot depends on (1) the current return available on “risk free” investments (2) the LTV of the subject real estate (3) the cash flow of the subject real estate (4) the location (upside vs downside) of the subject real estate (5) my current need for liquidity and (6) alternative investments available to me.  

Quote from @Robert Ellis:

Quote from @Don Konipol:

There’s lots of confusion, incorrect information, and false assumptions being made about the legality of raising capital for investment.  So here is a very short, quick outline of the legal process in the U.S.A.

1. Any capital raised for investment purposes, in which one or more parties is NOT active in the management of the investment entity, is a securities offering.  
2. All securities offering must be REGISTERED with the Securities and Exchange Commission, unless the offering is covered under an exemption from registration.

3. There are three primary exemptions from SEC registration.  The exemption for intra state offerings (the offer is made to investors residing in a single state), the exemption for investors with FEDERAL accreditation (Federal banks, investment banks of a certain size, Federal funds dealers, etc) and the private placement exemption.  Since single state offerings are very limiting, and many states require state registration and compliance with inherent costs, the private placement exemption remains the most popular. 

4. There are two methods of “private placement”. The old traditional one was the general exemption for private placement.  The sponsor, with the help of a securities attorney, determines that the offering meets the (often ambiguous) requirements for determination of private placement and proceeds with the offering.  The advantageous of this type of offering is simplicity, cost, and speed. 
The second method of private placement, is compliance with the SEC “safe harbor” Reg D.  Sec 504, 505, or 506 b or c.  This will necessitate the production of a Private Placement Memorandum (PPM), Operating Agreement, and Subscription Agreement.  Current cost are $8,000 to $15,000 for legal fees, inclusive of Form D filing with SEC and notification filing for the states the initial investors reside in.  The advantages of the Reg D are (1) if the sponsor complies with the Reg D requirements, the offering as to it being a private placement will NEVER be challenged by the SEC.  Further, if disgruntled investors sue, the sponsor has a “definitive defense” as well as a “statutory defense” in a lawsuit. This means that by merely complying with the Reg D requirements, the sponsor should have enough of a defense to beat any lawsuit.  I can tell you from personal experience that a small few investors will consider suing EVEN IF THEY MADE MONEY; and that no attorney will take their case (at least not on contingency) if the sponsor complied with Reg D, absence fraud.  
As important, all sophisticated investors will only consider investment in private offerings that are Reg D, or occasionally Reg A, compliant.  The most important aspect of Reg D is the 506 c offering, which ALLOWS general solicitation and advertising, and eliminates the requirement of the sponsor and investor having an established relationship. 

I’d be happy to answer any questions or provide any clarifications; and encourage comments of any kind. 

 Could you do more of deep dive into Reg A offering and 506 C and when you should do each one? We are doing single development offerings in SPVs through a 506 C offering for projects that are ground up like in Columbus Ohio but for larger deals in Miami Florida where an acre of land can be 100 million dollars in an unlimited height district you really need to be raising from institutions and the largest publicly or privately held companies in the country. We've also looked at subdivision funds that would purchase and develop a subdivision and take it all the way to completion with project sizes approximately 25-30 million in construction, land, and entitlements with exits around 50 million but I wanted to know which structure is best used. these are two very different markets. one we could be fine with check sizes 50k-500k, the other one we would need minimum checks of 3 million and up. it could be a 7-8 year development with a billion dollar sell out if your building is as big as those that are 1-2 million square feet in Miami. thanks for posting hope this isn't too much to ask. 

I’m no expert in Reg A, so my help with it will be limited.  Historically Reg A was a way for small companies to raise capital in a small PUBLIC offering, with the available use of general solicitation and advertising, often or hopefully leading to having a trading market in their securities.  A few things happened in 2015.  First and foremost with Reg D 506 c established  with the use of general solicitation and advertising eliminating the necessity of going the Reg A route in order to advertise your offering or to not be under the restrictions of a private offering.  So essentially Reg D 506 c is a hybrid between a private and a public offering.  Reg A is a non registered PUBLIC offering.  In 2015 the amount that could be raised was greatly increased and two “tiers” created - up to $20 million and up to $75 million.  As a public offering the sponsor is responsible for compliance with many SEC requirements that a private offering under Reg D is not, especially as it relates to reporting financial and other information on a periodic basis with the SEC, providing investors with financial statements, adherence to investor control in electing board of directors, etc.   However, Reg A offerings are not restricted to accredited investors as are Reg D offerings.

I’m not sure that Reg A is any more likely to attract “big” capital than Reg D is. I believe @Chris Seveney has successfully completed a Reg A offering.  Perhaps he can describe his experience and better answer your question.  

Quote from @Joe S.:

Folks, you got to admire Virgil‘s sponk. I definitely enjoyed this thread. Lol. 😂 

Yeah, he’s been at it all of 60 days.  3 months from now he’ll have forgotten business credit cards and will have signed up to shill some other b.s.”offering”. 
Meanwhile, he’s attacked the credibility and intentions of the most experienced real estate investors on BP; doubled down on his lies and misinformation even when clearly caught; resorted to childish “name calling”, arrogantly advised what other posters should be doing with their time; implied that he has a unique understanding and unique”relationships’ with banking institutions; and put forth statements revealing his ignorance of anything related to real estate. 

No, he doesn’t sound LIKE a guru; he sounds like someone who just threw away $ on joining a guru group and is desperately trying to recover the money he spent.  My best guess is from the lack of providing any personal “success”stories and the fact that his media presence as to business credit cards began about 30 days ago on LinkedIn, he has yet to make a sale.  

If he continues “working” BP for his “business” he will in all likelihood have very disappointing results.  

It’s been fun, but it’s now time to ignore the shill. 

There’s lots of confusion, incorrect information, and false assumptions being made about the legality of raising capital for investment.  So here is a very short, quick outline of the legal process in the U.S.A.

1. Any capital raised for investment purposes, in which one or more parties is NOT active in the management of the investment entity, is a securities offering.  
2. All securities offering must be REGISTERED with the Securities and Exchange Commission, unless the offering is covered under an exemption from registration.

3. There are three primary exemptions from SEC registration.  The exemption for intra state offerings (the offer is made to investors residing in a single state), the exemption for investors with FEDERAL accreditation (Federal banks, investment banks of a certain size, Federal funds dealers, etc) and the private placement exemption.  Since single state offerings are very limiting, and many states require state registration and compliance with inherent costs, the private placement exemption remains the most popular. 

4. There are two methods of “private placement”. The old traditional one was the general exemption for private placement.  The sponsor, with the help of a securities attorney, determines that the offering meets the (often ambiguous) requirements for determination of private placement and proceeds with the offering.  The advantageous of this type of offering is simplicity, cost, and speed. 
The second method of private placement, is compliance with the SEC “safe harbor” Reg D.  Sec 504, 505, or 506 b or c.  This will necessitate the production of a Private Placement Memorandum (PPM), Operating Agreement, and Subscription Agreement.  Current cost are $8,000 to $15,000 for legal fees, inclusive of Form D filing with SEC and notification filing for the states the initial investors reside in.  The advantages of the Reg D are (1) if the sponsor complies with the Reg D requirements, the offering as to it being a private placement will NEVER be challenged by the SEC.  Further, if disgruntled investors sue, the sponsor has a “definitive defense” as well as a “statutory defense” in a lawsuit. This means that by merely complying with the Reg D requirements, the sponsor should have enough of a defense to beat any lawsuit.  I can tell you from personal experience that a small few investors will consider suing EVEN IF THEY MADE MONEY; and that no attorney will take their case (at least not on contingency) if the sponsor complied with Reg D, absence fraud.  
As important, all sophisticated investors will only consider investment in private offerings that are Reg D, or occasionally Reg A, compliant.  The most important aspect of Reg D is the 506 c offering, which ALLOWS general solicitation and advertising, and eliminates the requirement of the sponsor and investor having an established relationship. 

I’d be happy to answer any questions or provide any clarifications; and encourage comments of any kind. 

Let me be clear on where I stand._

People who come to BP solely to post a promotional piece citing the advantages of the service or product they’re selling are dangerous to anyone not experienced in real estate and finance who may believe the “ad”.                          
It’s still an “ad” even if the poster calls it a “discussion” and even if they do not directly mention their ‘services” in the initial post (they hope someone “bites” and so they can mention on in follow up posts).                                                     

The danger is especially acute when the poster offering the service has very little experience and is new to this service.  It is further dangerous when the poster offers misinformation, half truths and outright lies in their post.  

This OP, as I pointed out in my previous post, “doubles|down” on the lie that 
(1) personal assets are not at risk  - they absolutely are as the OP admits, albeit with some non sensible justification about specific assets not being pledged

(2) protects personal credit - as already stated the personal guarantee necessary will affect the credit card holders credit capacity , and as such find its way to their credit report, and hence affect credit scoring. 

(3) is lower risk - this may be the biggest lie of all.  Financing a property with a loan that in 6 months charges interest of 19.8 - 24% is beyond risky - it’s suicidal.  Unless the property is sold or refinanced, a large negative cash flow is all but guaranteed.  

Can credit cards be used in certain situations with a reasonable chance of success? DEFINITELY, early in my career I did so myself. However those circumstances are limited to investors with the ability to refinance when the promotional rates terminate, or those who have a sale of the property in place. 

And IF you desire a business credit card, all you have to do is do a Google search, and APPLY for the ones offering the most advantageous deals.  No need to pay this clown 10 - 15%, for his non existent “consulting” services (by someone with 60 days experience). 

Quote from @Virgil Moore:

Quote from @Don Konipol:

@Virgil Moore

“ It allows investors to access $50K–$250K in 0% interest funding—without putting personal assets at risk’

Are you implying that the recipient of the credit cards are not PERSONALLY liable for the debt incurred? 

Good question. To clarify, when you PG a business credit card, you are personally liable for the debt if the business defaults. However, this does not mean your personal assets are automatically at risk like they would be with a secured loan or personally guaranteed term loan. Business credit cards are unsecured debt, meaning the issuer can report non-payment to your personal credit and pursue collection efforts, but they don’t have direct claims to personal assets unless legal action is taken and a judgment is issued.

The key distinction is that while a PG means personal liability for repayment, it’s not the same as putting up personal assets as collateral. That’s why structuring credit correctly and managing risk is so important.

Unfortunately, your conclusions are incorrect.
With a business credit card, EXACTLY the same as a personal card, your personal assets ARE at risk.  In neither case are you pledging personal assets as collateral.  In fact, it would be extremely rare for an individual to pledge specific personal assets as collateral, unless it was for a collateralized loan, i.e. a loan specifically tied to a specific asset, such as a painting, diamonds, or a mortgage in real property. Your argument is disingenuous; at attempt to justify a false narrative. 

This leads to your second false statement “ protects your personal credit”.  The fact that the credit card holder is personally signing and responsible for the debt means it MUST be revealed in any loan situation, such as a loan application, employment application if required, personal financial statement, as a liability.  As such it WILL affect future credit capacity, and eventually find it way onto the card holders credit report and lower their credit score. 

The above are FACTS, you have knowingly (Probably), or unknowingly provided false information to sell your ‘SERVICES’.  Further, there are other items of misinformation in your post.  Your lead in “If you’re in real estate, you know the #1 obstacle isn’t finding deals—it’s getting the capital to close them.” is, as everyone with experience in real property knows, patently false.  Money is a LOT easier than deals.  Newbies always think they found a great deal.  Closer analysis shows the deal mediocre, at best.  Their analysis is, due to lack of knowledge and experience, lacking in criteria. 

Let’s dwell deeper into your posts 

“Private lending can be great for larger deals, but savvy investors use business credit first because it’s the fastest, cheapest way to fund deals—without relying on other people’s money.”

really?  Savvy investors DON’T use business credit cards, or ANY credit cards first; they utilize low interest rate long term mortgage loans.  
‘Without relying on other peoples money? - credit card advances ARE “other people’s money”!

”It’s all about using the right strategy to structure the funding in a way that keeps risk low and maximizes returns.”

using credit cards that after a grace period charge interest rates from 19.8 - 24% isn’t a low risk strategy; it the HIGHEST risk strategy I can think of of! It MINIMIZES returns, not maximizes them . 

”The 10% fee I charge is not just for the funding—it covers a comprehensive approach to ensure you’re using the capital effectively and efficiently, without the traditional restrictions of hard money or the hassle of dealing with multiple lenders. It’s about long-term growth and minimizing risk, not just the upfront cost. “

THATS quite a claim.  Sounds like you provide a thorough analysis for each individual that wants to pay you to help them obtain business credit cards.  You must advise a large majority of those to forgo getting the cards since they wouldn’t be utilizing the capital effectively and efficiently.  So tell us, what percentage of these people you provide consulting for do you advise NOT to apply for the cards? 

”I understand your perspective, but I’m simply here to educate people on the benefits of credit card stacking as a viable financing option, not to solicit business. There’s a difference between sharing valuable information and actively promoting services, which I haven’t done in this conversation”

BS detector is going off full blast.  NOBODY buys your artificial distinction.  When you provide a bias, promotional post full of lies, half truths and intentionally misleading information, you are promoting your services, even if you don’t end with “EAT AT JOES’.  

btw, how long have you been in the business of trying to 
secure” credit cards for people?  My guess is 30 - 60 days