How are you funding your flips in 2025

[Deborah Wodell]

Curious what everyone’s seeing out there lately.

With rates higher and some lenders tightening up, are you still leaning on hard money? Private lenders? Or are you getting creative with seller finance, second-position loans, or partnerships?

What’s been working best for you lately? And if you’ve had a great experience with a lender or private money source, who do you recommend?

Appreciate any insights — always trying to stay sharp on what’s working out there.

[Corby Goade]

Depending on your volume, a HELOC is always my go to. Cheap, flexible and payments are low. No points and I can just free it up as soon as I cash out.

I find so many flippers don't keep any properties and that's almost always a mistake. You can be so much more efficient with HELOCS and when you couple that with cost segs, your cash flow from the properties you keep becomes totally irrelevant. A property that's $200 per month negative cash flow that you cost seg in to a $75K tax savings is a better investment than almost anything else you could possibly do. 

Maybe a bit off topic, but that's my two cents!