Episode notes
Welcome back to Unlocking Real Estate! I’m your host, RJ Hernandez, and today, we’re talking about everyone’s favorite F-word: Financing. In a world where interest rates are on a rollercoaster, and banks are pickier than ever, how do you actually fund your deals in 2025? We’ll explore traditional options, creative workarounds, and real stories from the frontlines.
SEGMENT 1: THE LAY OF THE LAND Let’s start with the basics:
· Conventional mortgages: down payment, credit requirements, DTI ratios
· Portfolio and commercial loans: how they’re underwritten
· Bridge loans and hard money—fast but costly
SEGMENT 2: CREATIVE FINANCING STRATEGIES When banks say no, investors get creative.
· Seller financing and subject-to deals
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