I’ve been having more conversations lately about how investors are adjusting their financing strategies with banks tightening up, rates moving around, and deals needing to close faster than ever.One thing I’m seeing: more investors leaning heavily on private money and asset-based lending, especially for fix-and-flip and short-term bridge needs.Curious how others here are approaching it:Are you using private lenders more often than traditional banks right now?

Bank says I'm unable to do a HELOC on the property since it's under a business.

I understand it is linked to a bank but was having trouble discerning how it imports outside transactions not from the partner bank. 

It passed the House of Representatives in July 2025 and has been sent to the Senate, where it is now under consideration by the Senate Committee on Banking, Housing, and Urban Affairs.

No need to open 20 bank accounts unless you want to.You’re definitely not overthinking it, this is exactly the stage where structure matters.

In either case, the bank does not own the property.

All we need to see is your funds in a U.S. bank account, a U.S.

The issue is the bank (seller)  has expressly forbidden me from accessing the property until deed is transferred.

If the flip comps are soft, don’t bank on resale; instead, lock a clear buy box and scope, then raise private money or use hard money for purchase plus rehab with a refinance takeout once it’s rented and stabilized.

@Kari Rak you want to be REALLY careful buying anything from the Land Bank.