Ask your favorite local lender about their renovation products to make sure you understand all the options available to you but understand that not all lenders offer renovation programs and not all those who do are good at them.  

@LaRaye Alderman I'm confused about what you are trying to do.

But what you do can depend on the kinds of REI you want to do.  

Most of the deals I do are with truly motivated sellers who can't wait that long or for some other reason don't want to sell through the traditional route and are willing to trade equity to avoid it.That said, be careful in analyzing your deals, and don't get caught up in the hype and pay more than you should because you baked appreciation into the numbers.

@Emmanuel Lopez What do you do?

Some of the fixer uppers I do are:1.  

The ones that think they do are usually following the traditional BP model...and they'd be wrong.You have to "reverse engineer" it, starting from your Financial Goals, and working your way to where you are right now.  

@Aaron Klatt yes it’s credit cards, it’s because I been listening to BP podcasts for about a month and I am ao excited that I just want to jump in the water and do flips to replace my income and then move into Buy and hold.

That is for helping them buy the property and then selling it.The other items they want you to do are various different scopes of work.You have to be careful they are not trying to do add on items and get freebies to take advantage.

It's normal thing to do.