A HELOC or HEL is usually the best move because you get to keep your low 3.87 percent first mortgage, and the interest is typically deductible as long as you use the funds for another investment or rental project.

(Always fascinated by how funding strategies evolve as portfolios grow — happy to trade notes on what’s been working across different states lately.)

For active flippers or buy-and-hold investors — when time kills deals, do you prioritize speed of funding or interest rate more?

Curious what funding setups other investors are using right now.Do you prefer private money, hard money, or partnerships for your fix & flip projects?

My mortgage interest rate is 3.5%.

Quote from @Jeff Mooney: @Chris Seveney looking to see if somehow I can take over that 3.5% rate Just because you can take over the rate does not mean its a good deal, I am not seeing where this is a great deal.

My idea is to work with RE investors/buyers, and use my available funds to provide a proof-of-funds letter for their deals, and charge a fee of, say 1% of the value.  

Quote from @Anthony Nate: We talk a lot about rates, LTVs, leverage, and speed but the real question is this:What makes you immediately STOP working with a lender?

https://www.cnbc.com/2025/11/05/in-a-volatile-week-for-inter...Mortgage demand pulled back last week as rates swung wildly, starting off low and then climbing sharply, rattling buyers.  

Selecting which of the below market deals Builders are giving for 3.5% to 4.75% fixed rate mortgages.