Quote from @Rion Manita: Hello BiggerpocketsI'm working on some deals where buyers are trying to stack owner financing with a bank or private lender, what are some strategies to get these across the finish line and or some solid lenders that operate in these capacities that are flexible. thank youWord of warning - everything must be disclosed to all lenders.  

If they are interested we engage the owner to see if/what they will approve.5) We do try to be a LITTLE flexible.

Terms have adjusted slightly, but private loans are still closing fast and giving investors the flexibility they need when timing matters most.Curious , are you seeing more of your clients moving toward bridge or DSCR-style loans to keep projects moving?

It’s flexible, fast, and relationship-driven; and the foundation of many successful investors’ growth stories. 

On contracts, stop forcing your paper; use assignment-friendly PSAs and addenda, but be flexible to buyer/title preferences.

Flexibility, terms, and how fast they can actually fund your deal.I work directly with verified lenders who focus on fix & flips and short-term deals.Happy to share some insights if you’re comparing options.

Yet good sponsors are still closing — by engineering smarter capital stacks, not waiting for rates to fall.Here are 3 structures we’re seeing work right now 👇1️⃣ Senior + Mezzanine LayerWhen banks stop at 65–70% LTC, adding a mezzanine layer pushes leverage up to ~85%.It’s structured debt — not equity — letting sponsors close gaps without dilution.2️⃣ Preferred Equity Replacing MezzWith mezz pricing tightening, many sponsors are pivoting to preferred equity — same position in the stack, but with more flexible terms and upside participation.Often used when senior lenders won’t allow a true mezz note.3️⃣ Bridge with a Construction TailBridge lenders are extending into stabilization periods, giving developers time to lease up or season cash flow before refinancing into perm debt.That flexibility can make or break timelines right now.🧩 Why this matters:Capital creativity is the difference between paused and closed deals.The capital stack isn’t fixed — it’s engineered.💬 Question for the group:What’s the most creative capital stack you’ve closed (or seen) in this market?

We usually stick to a moderate policy for flexibility but require firm confirmation for large bookings.

DSCR or no-income loans still exist, but rates and lender flexibility can vary, so it’s smart to also consider local banks or portfolio lenders who may look at your overall financial strength.

Credit card transactions still have to be entered manually.We actually use QuickBooks Online (QBO) for our accounting since it gives us more flexibility and reporting options.I’d also love to see an in-app calling feature (right now it’s text only).More flexibility to create custom CRM statuses would be nice too.I haven’t tried many other platforms yet, but for now AppFolio covers most of what we need pretty well.