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The Myth of “Credit Doesn’t Matter” and “Private lenders don’t care about credit.” I hear it constantly. It’s the rallying cry of every investor with a 520 score and a dream. But here’s the truth: Private lending isn’t a loophole for bad credit. It’s a workaround for bad properties. Banks reject deals because the house is too ugly, too risky, or too unconventional. That’s where private lenders step in. But if you think we’re also here to overlook your financial chaos, think a

Private lending isn’t just about money—it’s about trust, execution, and clarity. If you're new to fix-and-flip investing, this guide will help you present deals that get funded and build a reputation that opens doors. Rule #1: Keep It Cookie Cutter (At First) - Stick to simple cosmetic rehabs with clear comps - Avoid structural issues, zoning variances, or creative exit strategies - Your first 4–5 deals should be boring, predictable, and profitable “Credibility is earned thr

Private lending offers speed, flexibility, and access—but it’s not a blank check. Too often, borrowers come to the table with no capital, no collateral, and a list of demands. They want 100% financing, zero skin in the game, and full control of the terms. Let’s talk about why that’s not just unrealistic—it’s unsustainable. The Myth of “Free Money” Private lenders aren’t banks, and we’re not venture capitalists. We’re deploying our own capital, assuming real risk, and structu