All Forum Posts by: Stevan Stojakovic

When you buy rentals or flips, what’s your comfort level for reserves — a few months’ expenses, six months, or do you go all in and keep cash deployed?

When you size up an opportunity, what do you check first — ARV, DSCR, cap rate, or total cash required?

Smart move getting your son started, Beth.

If post-reno value gets him to 20% equity, refinancing can remove PMI and lower payments, possibly as early as November. But if rates drop by spring, waiting could improve terms. Also, check with the current lender about PMI removal via appraisal without a full refi.

💵 If you’re a low-cash investor or small operator, the down payment can feel like a roadblock. But there are creative ways to structure your funding that let you get into deals without draining your cash, while still giving lenders confidence in your investment.

We just released a video breaking it all down:
🎥 Down Payments That Don’t Break You - Creative Funding Strategies
📺 Watch here →

In this video, you’ll learn:
✅ How to leverage equity partners and outside capital
📋 Using second liens to reduce upfront cash requirements
💡 Seller carry and other creative financing options
📊 When lenders accept cross-collateralization
🔍 How to demonstrate real financial commitment to get approval

📩 DM us “DOWN” to see creative structures lenders approve and get guidance on funding deals efficiently without overextending your cash.

#DownPayments #CreativeFinancing #RealEstateInvesting #LowCashInvesting #FixAndFlip #BuyRehabRentRefinanceRepeat #RentalPropertyInvesting #PrivateLending #HardMoneyLoans #DSCRLoans #PhoenixFunded #InvestmentStrategy #FundingTips #InvestorEducation #RealEstate2025

💵 Bridge loans can be a game-changer for fix-and-flip and value-add investors, offering fast funding and flexibility when conventional financing moves too slowly. But if used incorrectly, they can quickly turn into a trap - short maturities, rate resets, and balloon payments can eat into profits and create stress.

We just released a video breaking it all down:
🎥 Bridge Loans: Lifesaver or Trap?
📺 Watch here → 

In this video, you’ll learn:
✅ When a bridge loan is the smartest move
📋 Common pitfalls to watch for, including rate resets and short terms
💡 How to plan your exit cleanly into DSCR or conventional financing
📊 Practical strategies to structure your bridge loan safely and profitably

📩 Need a bridge with a guaranteed takeout? DM me now and we’ll help you structure it for speed, flexibility, and maximum profit.

#BridgeLoans #FixAndFlip #ValueAddInvesting #RealEstateInvesting #PrivateLending #HardMoneyLoans #DSCRLoans #PhoenixFunded #CreativeFinancing #InvestmentStrategy #FundingTips #InvestorEducation #LoanApproval #RealEstate2025

💵 Few things are more frustrating for real estate investors than having a deal collapse at the closing table. Loans can fail at the last minute for title issues, credit surprises, or appraisal discrepancies - but in many cases, the deal isn’t lost forever.

We just released a video breaking it down:
🎥 Why Your Loan Fell Apart at Closing - And How to Revive It
📺 Watch here → 

In this video, you’ll learn:
✅ The top last-minute red flags that cause loans to fail
📋 How backup lenders can step in to save your deal
💡 How to package a failed loan for fast recovery
📊 Practical strategies to give your stalled deal a second chance

📩 DM me to submit your failed deal - we’ll review it and show you how to revive your funding, get back on track, and close the deal successfully.

#LoanRecovery #RealEstateInvesting #FixAndFlip #BuyRehabRentRefinanceRepeat #RentalPropertyInvesting #PrivateLending #HardMoneyLoans #DSCRLoans #PhoenixFunded #CreativeFinancing #InvestmentStrategy #FundingTips #InvestorEducation #LoanApproval #RealEstate2025

💵 If you're a long-term rental investor or following a BRRRR strategy, prepayment penalties can quietly destroy your profits. Many borrowers don't notice them until it's too late - suddenly a refinance or early payoff costs thousands or even tens of thousands of dollars, cutting directly into your returns.

We just released a video breaking it all down:
🎥 Prepayment Penalties: The Silent Profit Killer
📺 Watch here → 

In this video, you’ll learn:
✅ How prepayment penalties sneak into loan term sheets
📋 When they make sense versus when they strangle your refinance
💡 Negotiation hacks to limit or avoid them
📊 How to compare lenders and minimize hidden fees

📩 DM us “Penalty” to receive our lender comparison sheet that shows which programs waive prepayment penalties and which require careful planning. Protect your profits and structure your loans smartly before your next investment.

#PrepaymentPenalties #RealEstateInvesting #BuyRehabRentRefinanceRepeat #RentalPropertyInvesting #PrivateLending #HardMoneyLoans #DSCRLoans #PhoenixFunded #CreativeFinancing #InvestmentStrategy #FundingTips #InvestorEducation #LoanApproval #RealEstate2025

💵 If you’re a first-time flipper or managing a rehab from out of state, one unreliable contractor can derail your entire deal. Lenders don’t just fund properties - they fund execution. A contractor who misses deadlines, submits sloppy bids, or has a questionable track record can cause funding delays, reduced loan amounts, or even loan denial.

We just released a video breaking it all down:
🎥 Bad Contractors Can Kill Your Loan - Here’s How to Vet Them
📺 Watch here → 

In this video, you’ll learn:
🛠 Contractor red flags every lender watches
📋 Why a single quote isn’t enough
💡 How to verify contractor reliability and protect your loan
📊 Practical steps to avoid funding surprises and stay on schedule

📩 DM us for our “Contractor Vetting Sheet” used by professional investors to ensure your rehab stays on track, fully funded, and profitable.

#FixAndFlip #ContractorVetting #FundingTips #PrivateLending #HardMoneyLoans #PhoenixFunded #DSCRLoans #CreativeFinancing #InvestmentStrategy #InvestorEducation #LoanApproval #RealEstate2025

💵 If you’re a fix-and-flip borrower, underestimating your rehab budget is one of the fastest ways to turn a profitable project into a funding nightmare. Unexpected material costs, scope creep, and hidden structural issues can derail your financing and put your deal at risk.

We just released a video breaking it all down:
🎥 Rehab Budget Blowouts - How to Avoid a Funding Disaster
📺 Watch here → 

In this video, you’ll learn:
🛠 The top three ways borrowers underestimate rehab costs
📋 How lenders review contractor bids and spot red flags
💡 How to avoid underfunding your own deal
📊 Strategies to present a realistic budget and protect your funding

📩 Grab our “Rehab Ready” funding checklist before you close your next flip to ensure your numbers, bids, and plans align with lender expectations and keep your project profitable.

#FixAndFlip #RehabBudget #FundingTips #PrivateLending #HardMoneyLoans #PhoenixFunded #DSCRLoans #CreativeFinancing #InvestmentStrategy #InvestorEducation #LoanApproval #RealEstate2025

💵 If you’re flipping a property into a rental or following a Buy, Rehab, Rent, Refinance, Repeat strategy, understanding cash-out refinance seasoning rules is critical. Misunderstanding how long you must wait, what documentation lenders require, or available exceptions can delay your next investment or cost you thousands.

We just released a video breaking it all down:
🎥 Cash-Out Refinance Seasoning Rules: How Long Do You Really Have to Wait?
📺 Watch here → 

In this video, you’ll learn:
💡 What lenders require in terms of time and documentation
🛠 Workarounds and exceptions, including bridge-to-DSCR loans and private refinancing
📊 How cash-out timing should guide your entire exit and investment strategy

📩 DM us with “CASHOUT” to see if you qualify for early cash-out refinance terms and get a step-by-step guide for your next property.

#CashOutRefinance #SeasoningRules #RealEstateInvesting #BuyRehabRentRefinanceRepeat #RentalPropertyInvesting #PrivateLending #HardMoneyLoans #DSCRLoans #PhoenixFunded #CreativeFinancing #InvestmentStrategy #FundingTips #InvestorEducation #RealEstate2025