Quote from @Scott Chilton: In fast flip markets, speed really is the advantage.

“Feels like more investors value certainty and speed over headline rates lately.”This has always been true for knowledgeable borrowers.

It is a huge factor especially when buying at a discount - If it was significantly quicker like instead of two weeks you could close in one, I would definitely weigh that as a higher value if you can get a better deal due to the speed which is often the case.

When competing for deals, speed often wins.How much weight do you personally give to speed vs cost when choosing capital?

Lenders that offer speed charge more points, not necessarily a higher rate. 

I mean you can get speed, closing a handful of days, with out paying 3-4 points.

From a mortgage strategist perspective, speed on offers and amendments really comes down to preparation and clean execution.

@Kelly Schroeder For me early on, the biggest needle mover was private money.Not because it was cheaper on paper, but because it gave me speed and flexibility when those mattered most.Avoiding origination fees, closing quickly, and being able to run multiple projects in parallel is what allowed momentum to compound.

Quote from @Kelly Schroeder: One thing I see often: solid investors getting stuck because their financing doesn’t evolve.Traditional loans work early on, but as portfolios grow, speed, flexibility, and deal structure matter more.

So, assuming the investor doesn’t want to invest in deals that do not meet their risk adjusted return minimum, and doesn’t want to bet on future appreciation, they have four choices.1.