Hot New Investor Loans to Watch for in 2018!

Happy New Year!

This year one of my goals is to become an even larger resource for the Fix and Flip & Investor Community. After 16 years of service in this industry, we connect investors to lenders and private funding programs nationwide.

After reviewing these new loan offers and working with dozens of lenders, I compiled this list of lenders to refer to interested parties.

I hope you enjoy!


New Private Loan Options for Investors and Flippers!

What an amazing year for private funding, hard money, commercial funding, equity funding, business funding, unsecured funding; all kinds of capital for many purposes.

Lenders are stepping up to make loans in ravaged areas in Florida  & Texas, as well as nationwide in major urban areas.

Fix and Flippers works with key lending partners to provide the best loan terms and flexible structures so investors have multiple options for leveraging their hard-earned capital.

The climate of private lending has changed because competition has greatly increased, also the influx of 1st-time flippers hungry to get a piece of the pie has produced a perfect storm: lots of inexperienced & unqualified applicants to pre-screen and underwrite – it’s a very expensive operation if you have your underwriters, processors, and assistants burning through hours of documents if they don’t lead to real closes with ROI for the investors involved & for the brokers who bring the business.

This has resulted in more restrictive requirements for approval such as Fico score minimums – from my experience, they question why a successful businessperson who is worthy of a risk of $100k-$1M wouldn’t be able to pay even $1000 to repair and clean up their credit? Also, please don’t mention 2008 or the past economic events – they don’t want to hear that! It’s 2017.. Bottom line – without 650+ fico scores expect high-interest rates (9-12%) and lower LTV’s due to you being a credit risk (80%-85% LTV max)

What mitigates your credit score IF you have a great explanation? (like a recent credit event within the past 2 months caused your score to swan-dive)

Having lots of experience (recent experience) again, don’t mention 2008 or prior…and most lenders may look the other way and consider you a better risk.

What if you don’t have recent experience and your score is not 650+? Then I’d be prepared to bring 15% down-payment, and it doesn’t necessarily need to be seasoned or sourced, but it has to be have a statement to prove you have it.

Also, I have a great contact that I use for credit repair and authorized user trade lines (I know the account holders) – just ask me for those referrals!

What if you have no experience, and have no down-payment, but have good credit 680+ fico?  I’d suggest you apply for my unsecured-credit program to raise up to $250,000 unsecured credit lines/cards in 1-2 weeks to create a 100% financing scenario!

If you are a great candidate – have completed multiple flips and/or rental purchase/acquisitions within the past 24 months, 650+ fico, and 3-6 months of interest reserves in your bank account, I can roll out the red carpet for you in most cases: 90% LTC or 90% purchase, 100% of rehab, luxury spec builds/construction to $2M-$50M, commercial refinances with cash-out or purchase 75%-80%, even small loans from $50k.

Niche Loans: Gap Loans – These are 2nd TD loans that we make behind our 1st TD’s, never others. We will gap great candidates with lots of deal flow that have experience, capital, average to good credit and the deal must be in an urban area and pencil at or under 65% of ARV (after-repaired-value) Lots of our lenders make loans nationwide.

Commercial  Financing- 3yr/8yr/ fixed, special pricing this month! Hotel, Apartment, Industrial, Self Storage, Solar Projects, Multi-Family, Office, Warehouse, NNN properties, Shopping Center, Assisted Living, Residential portfolios, Construction Loans, Mobile home Parks, Resort properties. Bridge loans, SBA

We can make QUICK (3-5 day loans) against Free/Clear properties up to 50% LTV, max loan is $50k, the minimum is $5,000!

With my 16th year in real estate, I’d consider myself a massive resource center, and its hard to turn those contacts into a commodity,  I hope points & rates won’t keep the best candidates from reaching out! Most of the time, I only give the best deals to people whom I have done business with (broke bread) once we feed each other, I know we have a mutually beneficial relationship.

Let’s finish the year strong and build some alliances! – 323-632-3279

Hollywood Hills SFR Rehab, Nice Canyon Views – Wholesale Priced for Experienced Flipper

This slideshow requires JavaScript.

We currently have this tied up and ready to wholesale to an end buyer.
The buyer would need to replace our $15,000 EMD ASAP. They need to close by end of month.

We’ve walked this property and I can introduce the buyer to the President of the Laurel Canyon Association – this will help the overall process. He is also a land-use attorney specializing in permitting.

The property has some issues and has been condemned by the City. The buyer would have to assume this responsibility.

8351 Kirkwood Dr. Los Angeles CA 90046

Tear down- Single Family Residence
Sunset Strip – Hollywood Hills West
Built 1927
2/1 – 1358 Sq Ft

Redevelop as 3/3

Rehab $200k
Asking $625k
EMD $15k
Comps $1.2m

Will need complete rehab and retaining wall, and create an access point such as a driveway…

Review the numbers, it’s vacant, I’ll give you the lockbox, and go direct.



Want to Increase Your Credit Score? Add Tradelines for 30-50 point Increase!

Increase Your Credit Score!

Authorized User Tradelines

$999 per tradeline or $899 per tradeline for 3+ tradelines


We’ll help you determine if you need tradelines, and which ones would raise your credit scores!

  • These are Revolving Lines
  • Tradelines between $5,000 – $40,000
  • Increase Your Credit Scores 30-50 pts in 60-90 days
  • Lines Stay Reporting for 45 to 180 days, we see 90 days of reporting on average
  • Most clients get 2-4 tradelines, most mortgages are looking for 3+ tradelines for pre-approval
  • We prefer our clients to be goal oriented, the service provides short-term credit score enhancement.
  • You will ideally be seeking credit within 45 days of the lines hitting their file
  • We will only add lines to Social Security Numbers, no CPN’s,or any other alternative identification number

We need:

  • Colored copy of your SS Card, front & back
  • Colored copy of your State issued ID or DL, front & back
  • Recent copy of your 3 Bureau Credit Report (You can pull one @

Lines will appear on your file within 45 days



How to Analyze and Finance Fix and Flip Opportunities


We’ll begin hosting seminars from experienced flippers who are also my friends for anyone interested. The seminars are free to provide info. We’ll introduce the 1st host:

My friend and colleague Tyrone Harris will be hosting this webinar today! Check it out! If you can’t make it, sign up at the bottom to get news for the next class.

House flipping has become incredibly popular, profitable, and… risky?! That’s right, many people who try to flip houses end up failing. In this brand-new seminar from Fix and Flippers, learn how to correctly analyze a house flip opportunity and save yourself from a financial disaster!

Don’t pay a “so-called” Guru thousands of dollars for coaching, you’re flushing your money down the toilet!


Start working directly with Private Funders and their Opportunity Network.  We train rehabbers to properly use private funding sources and leverage existing funds.  We will train you to use our deal analyzer to fund your fix and flip projects, wholesale deals and buy and hold properties.

In this webinar, you’ll learn:

  • The 5 biggest mistakes new investors make when analyzing deals
  • How to estimate rehab costs like a champWebinar-_Fixand_Flippers
  • The truth about the “rules of thumb”
  • How to use the Fix and Flippers deal analyzer
  • And so much more!


Car Wash For Sale Yucaipa, CA $$5.3M


Motivated Seller offering complete, fully operational revenue generating car wash / single or multi-unit retail facility.

All mechanical equipment is new with current tenant configuration being: Single user (.99 cents store). All inventory of both facilities go with the sale. Seller available for consultation after sale as needed.

Car Wash revenue from May 2010 through April 2011 was in excess of $547,000. With “Detailing” in excess of $30,000. The 99 Cent Store generated sales of more than $187,000.  With more than $50,000 taxable/non-taxable revenue. Total sales during the above period exceeded $817,000. Net earnings during the same period were in excess of $329,000. Request Profit & Loss Statement.


This is a fully functional facility generating revenue daily and requires no changes or improvements to continue current operation. All car wash and 99 cent store inventory goes with the sale. The property also has city approved site plan for multi-tenant use specifically retail auto parts, tire sales, and auto repair shop as an alternative configuration. Request Site Plan.

This business has a significant presence and much “Goodwill”  within the community.

Car Wash 2

Located in the heart of the city of Yucaipa on the primary road running through the core of the city, surrounded by multiple-tier one/national tenants such as Bank of America, Chase Bank, Von’s, Stater Brothers, Fresh & Easy, Rite Aid, Big Lots, Etc.

Utilities are reasonable. The property is about 10,000 sq.ft the car wash is about 4,400, Grocery Store is about 5,400. There is a current lease with the grocery store for the next 14 years, brings in about $94.5k/yr.

For full Executive Summary Contact Me Direct. | 858.386.0949

San Diego Point Loma Off Market JV Opportunity

6XXX Gage Drive San Diego, CA 92106

Options for Buyer:

Finished Lots ARV- $2,800,000  ($1,350,000 per lot- $1,450,000)

Build 2 Home & Sale ARV- $5,350,000  ($2,600,000-$2,800,000 per home)

Investment Options:

  1. Purchase Price- $1,950,000- Buy Outright
  2. Capital Infusion- $492,000- 30% of Profit


  1. Costs to finish the lots $215,000
  2. Costs to build out 2 homes $225/SF (we have estimate in hand)  $1,850,000


The project site is a 21,610 square foot lot in the wooded district in Point Loma, CA.  There are currently three structures on the site, a 2008 square foot house built in 1952, a separate structure over an indoor pool and a detached garage.  There are also a wide variety of large trees spread across the property. Our investigations have shown the highest and best use for the site is to split the existing 21,610 square foot residential lot into two residential lots at approximately 10,805 square feet each.  The exit strategy is to sell both of the finished lots.  Each lot will be “Ready-to-Build” with an approved parcel map, approved plans and paid permits.  Lot 1 will have bay views and Lot 2 will not have views.  The development team has done considerable work with an architect, engineers, consultants, contractors, The City of San Diego and local utility providers to move the project forward with the proposed use in mind.  The lot spit and the layout and plans for the two homes as proposed for the project is 100% conforming per the codes of The City of San Diego planning department.

This slideshow requires JavaScript.

CURRENT DEVELOPMENT STATUS There is a surveyed site plan, architectural drawings, which are updated as progress is made, and external renderings for each home. The demolition permit for the existing structures was issued in late December 2015. Various engineers have been working with to prepare the parcel map, the coastal development permit and building plans for submittal to The City of San Diego.  The parcel map, the coastal development permit and building plans will be processed concurrently through the City of San Diego planning department. The next step is to demolish the 3 structures on the property and remove the trees

ARV for 2 finished lots 

Based on the comparable properties and the neighborhood and the location of the subject property, it is our estimation each of the finished lots on Gage Drive will sell between $1,350,000 and $1,450,000. EACH

Request the address and offering which has plans, bio, and full executive summary for more details. | 858.386.0949