Hi @Sharlene Morales, One option is private money or hard money lenders, they can close quickly, sometimes within days.

Private lenders and partners often care more about trust and a solid plan than perfect numbers.

If you have experience and solid credit (720+) I know private money lenders who will fund 100%/100% on purchase and rehab.

As a lender how is that perceived by most lenders? 

We'll from a lenders perspective, direct and coorispondant broker here, I know general the industry average is 2 points.

I need at least 15k in reserves be for a private hard money lender looks at my company. not sure how to accomplish that.  

Some say finding the deal is the battle… others say financing it fast enough is the challenge.A few trends I’m seeing:• More investors are buying lighter cosmetic flips• Private lending is replacing conventional financing• Rehab budgets are rising due to material cost increases• Speed is becoming the biggest competitive advantageFor the investors actively flipping — what’s the bottleneck for you right now?

Great question — I’ve found that private and hard money have been the most reliable lately, especially with how cautious banks have become.

Once you close, you can always move it into an LLC later if your lender allows it (like others mentioned.

Sometimes pairing with a private lender or even offering better collateral keeps the deal alive.