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Updated about 4 years ago on . Most recent reply
![Bobby Paquette's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1556961/1681540667-avatar-robertp387.jpg?twic=v1/output=image/crop=1536x1536@0x384/cover=128x128&v=2)
Using OPM and still getting cash flow
I am wondering how some people are making money in a deal when using other peoples money and it is NOT a flip.
Usually Minimum looking at a 4-5% loan to bank(if not all cash), 6-10% on the hard money lender or seller finance, then you factor in saving for Repairs/Maintenance/Capex/Vacancy/Property Management(If you don't do it yourself)
After you factor in all that money going out how are you still cash flowing? I can understand some rare examples but you gotta pay back a loan to the bank , loan to a person, and save for expense and you still cash flow?
I know it can be done I am just looking for some examples or maybe things I’m missing/not realizing! Looking forward to the responses!
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![Erik Hatch's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1215021/1621510292-avatar-erikh63.jpg?twic=v1/output=image/crop=1154x1154@0x342/cover=128x128&v=2)
Add value and increase NOI. Cash out refi.