All Forum Posts by: Jeff Green

Great discussion, Elisa I’ve run into similar situations with sellers carrying a significant portion of the purchase price. In my experience, private capital has been a useful way to bridge that down payment gap. I actually got a loan from a private lender for a deal where we were able to structure the financing creatively, and it worked out well.

Second position loans or mezzanine financing can also be an option, but they come with higher risk, so I typically only use them when the deal has solid cash flow and strong equity

In 2025, a lot of investors are navigating balloon payments by either refinancing or extending terms with the seller, depending on the deal and market conditions. I’ve personally used a mix of refinancing and private lenders to extend terms when balloon payments are coming up, especially if the property is performing well and has good equity.
For some of the more creative deals, working with private lenders can be a game-changer as they’re often more flexible with terms. I’d recommend exploring those options if you’re not able to refi through traditional channels

welcome to the world of flipping From my experience, with the loan I got from a private lender, the approval process for the loan actually happened before we talked about the down payment. Once the funding was secured, the down payment was applied, and then we moved forward with the deal. So in my case, the down payment didn’t sit as equity until after the loan was finalized and the funding came through.

Hope that helps clear things up, Everyone’s deal structure can vary, but getting the financing secured first seems to be the common approach. Best of luck with your first flip

sounds like you’re in a tricky but exciting situation, I’ve worked with private lenders here on BiggerPockets, and some of them might be open to refinancing your land contract or offering short term solutions, especially if your ARV looks strong. Another option could be to look into hard money lenders, as they tend to have more flexibility with shorter timelines and unconventional situations. If you’re interested, I can connect you with a lending firm I’ve used before that might be a good fit for your project. Just shoot me a message if you’d like more info

Agreed, always good to be careful so far I've met good private lenders that are transparent 

private lending is such a valuable tool in real estate investing. I actually have a loan through a lending firm I found here on BiggerPockets, and they’ve been fantastic to work with. If you’d like, I can connect you with them and share their info. Feel free to reach out to me directly, and I’d be happy to help, Good luck with your search

Exciting times ahead House hacking and multi families are great for building wealth, and short-term rentals can boost cash flow too. Happy to connect and exchange ideas this community’s a great place to learn from others

Welcome and congrats on jumping in, Winning all 4 on your first go is wild  sounds like you're off to a strong start. Excited to see how you scale into multifamily. Keep going

Dealing with bed bugs in a cluttered space can be tough, but it’s definitely doable with the right prep and a good exterminator. Focus on decluttering, sealing items, and using high heat treatments if possible. For Delco, I’d recommend checking out Concise Pest Control or Delco Pest & Termite they both specialize in bed bugs

Welcome, Nicole Love your energy and mindset Savannah’s a great market with tons of potential for investors. It’s awesome that you’re diving into the investing side, and your relocation experience will definitely add value. Would be great to connect and mastermind sometime