Hey Al,I think the best move is to fund through the 0% credit card first.

Contractors: what’s your perspective on working with investors who use private or creative funding?

You can also partner with others for funding.

BiggerPockets Money podcast has mentioned a few times about Pine Financial Group Fund V as a "truly passive real estate" investment.

If a lender takes 10 days to approve a draw or can’t fund on the timeline your contractor needs, you’re basically financing delays, interest, and change orders.My best results have come from working with lenders who:• approve draws in 24–48 hours• let you submit photos/videos instead of waiting for an inspector• understand ARV-based lending• and don’t nickel-and-dime every line itemA cheap lender who slows you down is more expensive than a slightly higher-rate lender who lets you move fast.

Quote from @Jay Hinrichs: Quote from @Don Konipol: Quote from @Jay Hinrichs: Quote from @Don Konipol: I have witnessed many funds that started on sound principles compromise those principles when they couldn’t generate sufficient deal flow to be able to invest the capital that suddenly came into their lap. 

I’ve learned that loan structure — term length, fees, flexibility — can have a huge impact on actual profit.How do you decide which funding option makes the most sense for your deals?

With new construction picking up again, I’m seeing investors asking about everything from construction-only loans to full build-and-hold structures.If you’re building this year, what’s your experience been with funding availability and requirements?

Quote from @Dustin Smalley: The best funding advice for new flippers is to get prepared before you bring a deal to a lender.

I’ve been talking with a lot of active investors lately who are noticing how much the funding landscape has shifted.