All Forum Posts by: Jaedon Stout

@Oj Brown 

This sounds like an incredible opportunity, especially with your Airbnb experience and proven track record. Given that your already running a successful vacation rental business, one of the best ways to finance this deal could be leveraging your business itself.

Most real estate investors think of financing strictly in terms of mortgages or private lenders, but business funding can be a powerful tool. Since you already have an established business with cash flow, you could secure $50K-$150K in 0% interest business credit lines for 12 months all without it reporting to your personal credit. This method keeps your debt-to-income (DTI) ratio low, which is crucial when applying for additional financing.

Many investors stack multiple LLCs to maximize their funding or use these credit lines for down payments, reserves, or renovation costs while keeping their main capital liquid. If you're re planning to purchase under a business entity, this also makes you more attractive to lenders by showing strong liquidity.

Additionally, since you re already publishing a book and have a recognized presence in the Airbnb space, you could even leverage your business as an asset securing funding based on future projected earnings. Some lenders or business credit providers consider recurring revenue from an established business as collateral.

The key question is how quickly you need funding. Business credit can be secured in a matter of weeks, giving you a competitive advantage in negotiations.

@Matt Ridenour yes the major Banks are the best especially for no doc funding and lending to start ups with great promotional rates. My main Partner is Chase because gives the biggest limits great when it comes to building a relationship and getting BLOCs and other things also would recommend local credit unions biggest thing you always need to figure is the banks Cap of what they are willing to lend until they need everything Chase for example is 150k Citizen Bank if in area a great one for Blocs only require bank statements to calculate how much you can qualify for.

Again you want Unsecured No Doc Funding every start up is eligible if your business is one day old or 5 years shoot me a Message if you want a better break down can create a loom for you. 

I love the approach you're taking with lease purchase agreements and sponsoring their stay at senior living facilities. Both seem like fantastic win-win strategies that could help the sellers while also preserving your capital. Another option I’d recommend considering is leveraging business funding, which can give you the flexibility to scale and take on multiple deals at once without depleting your personal savings or credit.

For example, you could access $100K to $150K in 0% interest business credit—this doesn’t report to your personal credit, so it keeps your debt-to-income ratio low. With that, you could cover the costs for renovations, closing costs, or even set up escrow for those senior living sponsorships. Since the funds are business credit, you wouldn’t have to worry about personal financial strain, and it allows you to keep your capital intact.

I've seen investors use this method in various ways: some use business credit cards (with 0% APR for 12 months) to pay for renovations or bridge loans, others use business lines of credit to cover larger gaps. This could be an excellent option if you're looking to complete the remodel and cash them out as soon as possible. In your case, if you're working with older sellers, you could even use some of the funds to pay for their senior living stays while you wait for the renovations to finish, which would take a huge burden off them and solidify the deal in a way that works for both sides.

I think this type of financing works great because it keeps the deal flowing and ensures you're able to close without the traditional loan roadblocks. Plus, it allows you to offer the sellers a streamlined process without coming across as too "salesy," since you're focusing on solving their problems in a way that's beneficial for both parties.

Scaling from 8 to 20-30 flips per year requires a strong financing strategy, and business funding can be a great way to access capital without it reporting to your personal credit. Many investors leverage 0% interest business credit lines (typically for 12 months) to cover down payments, renovations, and other expenses. Since these accounts are in the business name, they don't affect DTI, making it easier to secure additional funding.

How fast you're looking to scale will determine the best approach—some investors go the business credit card stacking route for quick access to $150K+, while others secure business lines of credit for more flexibility. A mix of both can be powerful depending on your goals.

Hi Eric That’s a solid price range for flips, especially in Pittsburgh. Keeping your cash investment under $10K makes sense—you want to stay liquid for unexpected costs. Since you’re open to different financing options, here are a few strategies that might help:

Hard Money Lenders – These are the go-to for most flippers since they fund deals fast. The trade-off is higher interest rates and points. If you go this route, make sure the numbers work after factoring in carrying costs.

 Private Lending – Some investors raise capital from private lenders (friends, family, or investor networks). The terms are usually more flexible than hard money, and you can negotiate interest-only payments until the flip sells.

Business Credit for Real Estate – A lot of investors use no doc 0% interest business credit to cover down payments, materials, and labor costs instead of tying up personal cash or taking on a loan and you . Since it's in a business entity, it doesn't show up on your personal credit report or affect your DTI, giving you more flexibility for future financing.

I would be very careful with a lot of course or guru in general right especially a price tag like that what I would always recommend reading the contract and see who is the person more in favor and if its not you then dont sign up very rare to see someone actually benefit from a course.

Hey Kenny no it's more out the money to work and if needed get personally involved right right now have 3 clients I helped raised 175k in 0% interest business funding with 12 months 0 apr and they want to get going in real estate and make modest returns not shooting for home runs 

Hi BiggerPockets Community,

I’m Jaedon, and I’ve spent the last few years helping clients secure business funding to grow their ventures. Over time, I’ve built a network of 20-30 clients who are always eager to explore new opportunities, and right now, real estate is at the top of our list.

I’m diving deep into how to best use $150K-$200k in 0% interest business funding for real estate investments. My goal is to help my clients (and myself) make smart, practical decisions that balance cash flow, scalability, and risk which is crucial I know real estata is risky I have raised over 20 million dollars in Business Funding over last 3 years. I believe in putting in the work—1,000 hours of research, testing, and learning—before offering advice, and I’m excited to tap into the collective wisdom of this community to refine my approach.

Here’s where my head is at: I’m considering strategies like short-term rentals (Airbnb) for higher cash flow, long-term rentals for steady income, or even creative options like house hacking or partnerships to stretch the funds further. For example, should we focus on acquiring one high-quality property in a strong market, or would it make more sense to spread the investment across multiple lower-cost units in emerging areas? I’m also curious about the pros and cons of managing short-term rentals versus long-term tenants, especially for clients who are new to real estate.

I’d love to hear from those of you who’ve been down this path before. How would you use $150K in 0% interest funding for real estate or anything that you have done? Have you or your clients tried similar strategies? What worked well, and what challenges did you face? I’m all ears—both success stories and lessons learned are incredibly valuable.

Ultimately, I’m here to learn, share ideas, and connect with like-minded individuals who are passionate about real estate. If you’d like to discuss further or share your insights, feel free to reach out to me

Looking forward to hearing your thoughts—thanks in advance for your input!

Best,
Jaedon

Hi guys, I’m new here but have been following BiggerPockets for a while. I help people get funding (mostly through Chase) with good terms like 0% interest for the first year. A lot of my clients want to get into real estate, but I’m not an expert on the investment side, so I’m looking for some advice.

When it comes to using funding like this, what strategies do you think work best? I've heard a lot about BRRRR, fix-and-flip, and rental properties, but I'm curious about what's working for you all right now.

I know from talking to people that some have gotten into bad deals while using their own money, and I’m worried that using bank funding and ending up in a bad deal could make things even worse—not just for the investment but for the relationship with the bank as well.

I’m just trying to make sure my clients use this funding in the right way, without getting themselves into a tough spot. Would love to hear your thoughts or any advice you have!

I’ve got a question that’s been on my mind recently. I help business owners and investors raise capital usually connecting them with partners who can secure $75k-$100k at 0% interest for 12 months. But I’ve never personally invested in real estate using business credit more traditional for my first property, so I’m always curious when clients say they want to use this funding for a real estate deal.

Here’s where I get stuck:

• Real estate deals can be risky, especially if the project takes longer than 12 months to close or unexpected costs pop up.
• With prices climbing, it feels like the margin for error is smaller than ever.

Would you recommend someone use business credit to invest in real estate? Why or why not? I know it can depend on the person there are definitely pros who could make huge moves with this kind of capital but what about the average person who’s been inspired by TikTok or YouTube videos?

Would love to hear your thoughts or any experiences you’ve had with this kind of scenario. Thanks for sharing your insights!