I’ve read several books on buy-and-hold investing, cash-flow analysis, and Overfunded High Cash Value Whole Life (private banking/IBC) strategies.

Tighten operations on the duplex to raise NOI, then explore a refi when seasoning allows; if the equity’s thin, hunt a light value‑add rental in a cash‑flow market and use private money or seller financing to bridge the down and rehab, then refinance to pay them back.

Instant response Nancy E is set to private and only accepts messages from Colleagues.

The real estate market place is always evolving and 2025 presented many changes and challenges in the private lending and non-qm space.

At best, maybe an expensive private or alternative lender would consider it, but even that’s a stretch.In my opinion and most importantly beyond the financing hurdles, you have to ask why a seller is willing to carry a 30% second up to the full purchase price instead of selling the property in a normal, arms-length transaction.

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?

For lending and financing deeper dives, Investing in Real Estate Private Equity is great for understanding syndications and more complex structures. 

I currently have a Brandywine, MD lot under contract, which is pending a perc test, and I’m exploring the best financing and partnership strategies to move my first project forward.My goals right now include:Connecting with developers, builders, and hard money lenders familiar with new construction in PG CountyLearning more about no-money-down strategies, seller financing, and JV partnershipsUnderstanding local ARVs, build costs, and insights specific to the Brandywine / Waldorf / Upper Marlboro areasBuilding a strong network as I grow my development companyIf you’re experienced with land development, new construction, BRRRR-building, or hard/private lending, I’d love to learn from you and connect.Thank you all — excited to be here and grow together!

-Typical payor mix (private pay vs Medicaid) and target occupancy-Are you doing conversions or ground-up, and what deal sizes you like?

@John Scribante a drivers license for under ten dollars.