All Forum Posts by: James Hamling

My Spidy-sense is tingling......

I don't trust todays rally. It looks a lot more like a bull-trap with exception to NVDA. NVDA one can clearly see big-$ pilling back in, which makes total sense. 

The rest, or at least the vast majority, what was this rally on? What big "thing" happened? yeah, nothing. 

It feels like a false pump to transfer bags unto retail in preparation for next drop. 

TSLA is a great example of this. I'd say it was negative news and it jumps 10%+....... 

Even BTC's "rally" is lack luster. A REAL BTC rally would be cruising through 90's and punching through 100. This is just trading activity. I still need to see a consolidation in 70's before I hold any faith in a rally anytime soon. Or some catalyst that over-rights a consolidation. 

Market wide moves of 2%+ on little to no news is not a good thing. 

Watch for big red days to equally come. That's what volatility in this measure brings, big up's and big downs. 

Just makes the case for Real Estate all the more. 

Age is a big factor to my answer, where in life one is starting. 

If I could go back in time and transplant my entire knowledge bank into my younger self whom I did start with 0 anything, all I had was I was dang-good at swinging a hammer. 

In that younger self, I'd say get into a finance BA. And devour EVERYTHING with a laser focus towards syndication. 

That is step 1. 

Step 2 would be after getting self set in world of finance where I can readily syndicate, know all the in's n out's, have the licensure, have rubbed those elbows that come along that journey, I would put focus to JV with those great at digging up deals.

From there, it's simply marrying the two. 

Being able to command a pipeline of $$$$ is beyond words in it's power potential. 

And from there you don't even have to be good at generating deals, as long as you know how to tap into those who do. And leverage skills to being excellent on analysis (comes with finance) and retain great operational team. 

If looking to stay small, or older of age and don't have the years to dedicate to the start-up, the answer is a resounding WHOLESALE. 

And arguably the best way to start wholesaling later in life is get your R.E. license, get on a good brokerage/team where your NOT spoon-feed pre-set appointments but your in an environment rich in mentors. 

And your going to focus all energies to mastering the art of how to dig up a deal. 

Because that is exactly what listing agents do. 

Listing agents are wholesalers, we simply do our disposition on an MLS vs an e-mail blast.

You will be earning as your learning. And if your not earning your not trying hard enough, not putting in enough sweet, and are not learning enough. 

It's that simple. If your truly putting in the work to learning, that will lead you to what work is worth investing energy into and if you roll up the sleeves and put in the work, success will happen. 

$10k is NOT enough to call one self an "investor". It simply isn't. 

What's needed is a pipeline of investible $$$$. 

Any other direction on how to become an investor with just $10 is uber high risk, because your seeking uber high return. That's walking into a Casino and seeking to "hack the math" and come out 200% up, repeatedly day after day. It's just not viable. 

Who do you think is dumb enough to believe this garbage? 

Do you seriously expect anyone to believe disabled kids are denied education or access to education by there States, Counties or cities? And it requires the Federal Gov to get involved so disabled kids get education access..... 

GARBAGE! I call BS to that inferment. And anyone with an ounce of intelligence will too. 

THIS is why D's are polling at 27% now, because of total blatant BS like this. It doesn't even take the internet to see what BS this is, anyone who's had kids in schools knows this is BS. 

Ridiculous, seriously, just ridiculous. 

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I don't have international guests.  But this absolutely will affect international travel.  I have family and friends in Canada who regularly visit the US, and they've cancelled all trips for the foreseeable future, they are hopping mad.  I don't know how much this will affect guests from other countries, but it is bound to.  I hope since your guests come mainly for the school there, you'll be spared a lot of it.

Unfortunately, this administration is at war with universities and scientific research and I rely heavily on Harvard & MIT which are taking major hits. They have already frozen hiring and I suspect that means there will be fewer visiting scholars. That certainly feels like what is happening, given the fact that our MTR inquires are way down and we haven't leased the full calendar year.

There are 4 legs of our retirement income and 3 of them are under threat (Stock Market, Rental Income, Social Security). 

I agree that we really don't know what will happen with Social Security but Musk has certainly been rattling his chainsaw. 

We know what is happening to the stock market but some people think it is short term pain and others fear a recession. I'm a lot less sanguine than @Bruce Woodruff but I also am in wait and see mode. 

And I know for a fact that my rental income is taking a major hit. It now just depends upon how large a hit. So far, I know we will be down by at least by $6000 this year.

Sigh... 

Actually, to be accurate, it is the Universities that have chosen their path and are finally getting called on their S**t.
And the Stock Market and Social Security are not under any threat. Once the economy settles down from the tariffs and all of these fraud and waste exposures, we (the US) will be rolling again. Just be patient. you will be fine, and I wish you the best!

I hope you’re right but I question the basis of your belief.  Trump is associated with more bankruptcies than any other individual that I am aware of (at least 6).  His initial “released” tax return shows he lost more money that year than any other US tax payer. 

the S&P 500 has lost ~$5.25 trillion in 3 weeks which is the worst since the Covid decline. 

what is occurring with DOGE is people with no domain knowledge are looking for fraud and determining who loses their job.  They are doing this without regard to the legality or costs.   My analogy is if your banker came to your job site to inspect the quality of work.  The banker may be intelligent, but he has no domain knowledge. 

as the saying goes, I am expecting a bumpy ride. I am fortunate to be financially diversified.

time will tell, but I do not share your confidence and my basis is based on trump’s financial track record.  

Best of luck to everyone

Well, you're certainly entitled to your opinion, I'm sure that you realize that your views are a product of your filters. Most/many successful business people have had bankruptcies (Ray Kroc comes to mind). As someone who grew up outside of DC with parents/neighbors.friends who worked in that mess, it was obvious to anyone even back then that, let's say 'half' the people working there were incompetent, lazy or crooked.

It will take a while and will have some unpleasant periods, but nonetheless it must be done. I fail to see how anyonne cannot agree that we need to cut at least some waste and fraud.

One of the FB groups that I frequent is a hiking group. It amazes me how many of these folks are screaming because there are some NAtional PArk Rangers that got fired. Now they can't have a guided hike, they have to go by themselves (for a while). They just scream about the cuts and seem to have zero clue as to what is going on with our country and the deficit. (Note, someone with some sense finally postedthe actual numbers - 1000 Park Rangers have been fired from over 400 Parks....do the math..that's 2.5 rangers per park. You;re telling me that we cano't get by with that reduction? This is just one example out of many.

Everybody suck it up and stay happy and positive!

 >you're certainly entitled to your opinion,

Nothing I posted is opinion.  Trump is associated with at least 6 bankruptcies, the first tax return to go public showed he had the most negative income in the US, THE S&P is down ~$5.25 trillion in last 3 weeks, and DOGE is comprised of employees with no domain experience.   Which of these do you believe to be opinion?

>Most/many successful business people have had bankruptcies (Ray Kroc comes to mind).

I would like to see your source that many/most business people are associated with a bankruptcy.   Bonus if you can find anyone other than Trump associated with 6 bankruptcies.   I agree people are associated with bankruptcies but believe it is a small percent.  I believe it is a much smaller percentage that is associated with multiple.   I believe you are in rare company to be associated with at least 6 bankruptcies.

>It should be clear to anyone that we need to do some serious trimming of the Gov't fat.

I believe the debt was too high and it had to be addressed.   I also believe in separation of powers.  Congress has the power of the purse.   The proper way for this to occur is congress decides on the budgets to trim or the taxes to be increased.   The departments with domain expertise decides how to best meet their budget still providing the service the public needs. 

Congress is abdicating its responsibility and letting the executive branch do this craziness.   The cuts are not about saving money.   If it was the oversite that generates money would not have been among the first let go.   In addition they would have calculated in the costs of the layoffs and legal battles.   Layoffs of people with employment contracts that state they can be let go for performance reasons and stating virtually all of them are being let go for performance regardless of their employee reviews is clearly not in line with the employees contracts. These will be costly reductions.

It is about dismantling the government.  

>- 1000 Park Rangers have been fired from over 400 Parks....do the math..that's 2.5 rangers per park. You;re telling me that we cano't get by with that reduction?

I am not sure the source of your numbers. Can you post the source!   Have you been to a national park in the last couple weeks?  I go out a lot (most years I camp more than 30 days and some years I camp more than 60 days).   Grand Canyon wait time recently to enter the park was 1.5 hours.  I heard the number of employees for manning the gates at south entrance but forget the exact numbers.   This weekend I was at Red Rock Canyon.  It has been on a quota for a while so the wait was not bad but slightly poor (2 gates were open).  I feel rangers in NPs work.  I felt the wait line to talk to rangers in NP/NM visitor centers was already too long.  I will say that at a remote forest ranger station I encountered 2 employees that I thought were dead weight (story is too long to post), but that has been the exception rather than the rule.   It is my belief the back country rangers were already too few.  

To bring this back to RE, there are government leased buildings (I did not actually count the number but ~10 leases) in the San Diego area that the government wants to break the lease and not pay their obligation (similar to what X did) .  The issue is X fighting to break their contracts in a legal system just has the ramification to not trust X to abide by their contracts.  If the government cannot be counted on to honor their contracts the ramifications is large as it creates distrust.  What confidence is there that fed bonds will be paid?  What about other fed debt?  What about other fed contracts being honored?  I am not associated in any way with any of the building the government is trying to break their lease   But as an RE investor prior to now, I would have paid a premium for a building with a lease to fed government high quality tenant.  Similarly, previously, a fed government tenant would get my best terms due to what previously had been a highly reliable tenant.  They basically have squandered that benefit.

We seem to disagree on how things are getting done.   We both hope everything works out, but I think it will not.   I think we are in for a rough ride.  Time will tell.  

 Won't get into doge and Trump bankruptcies. Will state the S&P and tariff impacts are a function of Bessent, not Trump. This is all Bessent.

Bessent is a tough figure to bet against.

It's definitely a choppy ride, but anyone voting for Trump knew that if they voted for policies and not religious fandom. 

The strategies the previous administration did far more long term harm than these policies will do in short term harm. It's actually unwinding those.

Glad Bessent is putting in these policies, just my opinion.

Anyone against tariffs and a market correction, or besides that. Answer this question.

If we could go back 35 years to 1990, and I told you, you have two options which do you choose?

1) That TV will cost you 1/10 today's price in 35 years. But at the cost of your average populated city being decimated and your major metros being overpopulated. And saturation for that causes enormous student loan debt, your kids having to live by renting only in these metro areas, and your house(likely aimed to paid that off) have appreciated less than inflation. And the dollar has gotten weaker.

2) Your TV will cost you 50% of today's price but your average city population increased at a similar rate to years past. College is more affordable with significantly less debt necessary, your kids found jobs in their home city and can afford a home. The major metros did not become industry monopolies & the dollar is stronger.

Keeping current trade structure and outsourcing work keeps #1 going. 

Re structuring fair trade & creating job sources internally supplies #2.

We keep pursuing everything at the lowest price, but at what cost? It's not been worth it.

Side note. #1 destroys birth rate, #2 is a huge tailwind for family formation. 

 Your #2 seems to imply the population  growth rate has accelerated and that housing affordability is at an all time low which are both false.

before the recent rate hikes, housing affordability was lower than a mass majority of the last 50 years   With the recent rate hikes, homes were still less affordable in the 1980s   

your mindset is different than mine   I see a plethora of opportunities   More opportunities than I have time or capacity to use.   My 22 year old son has already accumulated more wealth than most people will obtain in their life.  

I have seen detailed instructions by Henry Clark to create and profit from self storage   Jay Hinrichs on timber deeds, land acquisitions, development, lending, etc   Many other posts.  There are a lot of post that you follow the instructions and leverage the education provided to opportunity.  It is not without work.  I see immigrants to millionaires in a decade.   My first protege was a janitor that had smarts, good people skills, and a desire to succeed.   He has promised to surpass me which I think would have been great but he has backed off recently; he wants to enjoy what he has earned versus I enjoy the pursuit of wealth.  In ~20 years he has gone from janitor to 8 digit net worth.

I wish everyone who works hard and smart to achieve financial independence.

 My #2 is stating that we'll see more family formation and thus higher birth rate. Anywhere you look, we see birth rate struggling. Housing affordability is at an all time low, rivaling early mid 1980s. That's a fact. 

My point is at the rate we were going, we are going to cause more long term division & separation which in the end causes collapse. It's inevitable.

#1 is what we've been doing. #2 is what tariffs/trade war, short term austerity, jobs back to America will produce over 35 years.

I don't think it's a mindset "differential".

I'm not saying there is a lack of opportunity, I'm saying the pursuit of the absolute lowest cost has ended up with more concentration of wealth, dollar devaluation, depleted diversification of jobs & living markets, and a lack of family formation/birth rates. Those aren't a mindset thing, those are facts.

Bessent's policies are aiming to unwind those troubles. So the s&p going down, trade wars, those are the necessary evils to unwind. Bloating the equities market is short term gain, long term pain, like the previous administration did. Total damage.

Your son at 22 is doing fantastic, he's the outlier. A 80 year high of population of that Gen Z demographic is living at home or with another family member. While I agree opportunity may be ripe, you discount the barrier to entry is higher than ever and the sunk cost of living is at the all time worst.  Those aren't mindsets, those are facts.

You need to look around and see how these young kids are developing and moving. There's a societal shift in the last 30-35 years that's directly related to the demise of the development of the next generation and ultimately America's future. 

It's started with seeking the lowest cost, and ultimately instant gratification. It's going to be America's demise. That's my opinion, but I'm supporting it with the facts above.

Housing affordability is not as bad as the 1980s.  In addition, I was hearing about how unoffordable housing was before the rates increased when housing affordability was lower than most of the last 50 years.

 The young kids I deal with are killing it.  Virtually all of them have worked for me.  My son and his good start.  His best friend has been accepted into virtually every veterinary school he has applied to.  Another young ex employee is working nuclear for the navy.  Another that worked for me just graduated with physical engineering bs degree.   One just received MS from Ivy League.  The difference between these and other young people is they see opportunity and pursue it.  I expect my son to be millionaire before 30 years old.

Gen z are still fairly young.   Not sure the source of your 80 year worse, but the younger gen z are not yet teenagers and living at home is expected.  I saw recent data that showed millennials are doing a better job at saving than baby boomers achieved.

you see troubles where I see a lot of opportunities.   I agree things are not perfect, but they never have been and never will be.  

Time will tell if this administration’s policies have a net benefit or make things worse.   While I am more optimistic about the current state, you are far more optimistic of these changes than I am.  We both seem to agree so far it has made things worse.

You're looking at your little bubble of your sons & friends.

This isn't debatable stuff about Gen Z, not teenagers,  and housing affordability. This is known stuff. 

A 2023 survey from Harris Poll for Bloomberg found that about 45% of people ages 18 to 29 lived at home with their families, an 80 year high. From 2021 to 2023, more than 60% of Generation Z and millennials said they moved back home, the poll reported.

• Roughly 1 in 3 adults ages 18 to 34 in the U.S. are living with at least one of their parents.
• More than half of Gen Z adults say they don’t make enough money to live the life they want due to the high cost of living, according to a 2024 survey from Bank of America.
• More than a third, 36%, of Americans said in a 2022 survey that more young adults living with their parents is bad for society.

Approximately 1 in 3 U.S. adults ages 18 to 34 live in their parents’ home, according to U.S. Census Bureau data.

Gen Z is stuck and fearful. The sunk cost of living has gotten extremely high relative.

I am not sure what you're looking at for affordability, but it's as bad. And even then what does that matter, it's regressed. Regression is a terrible thing outright. And its a function of a lot of things, but affordability is one.

I think since your son & friends have had success, you have a very narrow view. Go look at the general public. It's not sunshine & roses.

Milennials and Gen Zers have three options: save, doom spend, or invest. Of course they'll save better than boomers, boomers priority was paying off their 10% interest loan on their house. Back then the goal was to have your house paid off, post recession the goal was to get into equities with low interest rates fueling it. That's right when millennials graduated. That's a natural course of action.

With that said, no I didn't say the administration is doing damage. I'm saying the previous one did, this is just showing now. Bloated equities, bloated inflation, everything was off. We need to pop the balloon. It formed on the previous administration time.

I think Dan H highlights a good point in this: 

The arrogant ignorance of the have's too the plight of the have-not's. And the eventuality of such trajectory. 

They are sitting in their comfy seat's at the coliseum enjoying there "Bread & Games" annoyed by the interruption from such protests about things like the math of the economics, warnings of the impending doom and collapse from such path, the austerity of actions to do anything about it. 

There happy, their life is good, and thought is how dare us poke at that bubble they exist within. 

Of course they get angry. They are blissfully unaware and enjoy their ignorance. 

They can not accept the warnings of the impending doom such ignorance brings because it threatens the life they enjoy. 

These are the same people in the Soviet Collapse who even days later were still living in total denial. People forget that entire class was eviscerated. They should be the most fearful class of person but as we see are the most resilient to the facts and most defensive of their "bubbles". 

Can lead a well-2-do person to truth, can't make them accept it......  

The TDS does nothing to further a point of any substance. 

To serve arguments via data selection, in a void without any context or relativity, while it may make the person arguing on emotion feel a bit better, it does absolutely nothing for the rest of us hearing such emotional arguments than think "wow, this person is really unhinged". 

Much like the flat earthers. 

Ignoring all the other information and context in whole, and selectively taking 1 little sliver of a singular thing, and arguing "what about THIS" as if that 1 thing will somehow completely reverse all the other list of thing. It does not. 

And have you noticed Dan your actually arguing the MERITS of Trump for this exact job????? 

Arguing he went through some big bankruptcies, and obviously came out better as he IS a billionaire. Well, is the USA not bankrupt? Isn't a person experienced at navigating such and coming out of such better, wiser, stronger, wealthier EXACTLY the ideal person to lead through such? 

See the TDS leaves you blind to take in the full picture and context of consideration. 

Let's recap the list of BS in this fraudsters OP shall we: 

From the top.... 

"If you’re in real estate, you know the #1 obstacle isn’t finding deals—it’s getting the capital to close them."

WRONG - As anyone actually in real estate or just even those actively looking to get-in or have put in even the most basic level energy in REI study have found the #1 issue is FINDING DEALS THAT PENCIL OUT. With a viable deal, the funding is EASY. Take your pick, there is lending options up the wazoo.

Now, if you have no money to cover even the most basic of down payment..... You should NOT be taking on any kind of investment real estate. You should be focusing on doing the capitol generating activities, for example wholesaling which will utilize the all-important skill of deal discovery, analysis and securing such. 

So at heart this is a statement promoting people get in WAY over leveraged and in manners that carry massive risk exposure. 

Next....

"Traditional lenders require excessive paperwork, tax returns, and months of waiting, only to deny funding for the smallest reasons. Meanwhile, hard money loans come with sky-high interest rates, eating into your profits."

WHAT A JOKE - Ok where do I start, lmao.    Month's of waiting huh? Well that's just an out right LIE and total BS. ANYONE who's ever done or been around any R.E. transaction knows this is utter BS! Unless it's something in commercial space.     Sky-high interest rate's he says, oh that's funny coming from the guy promoting using something that generally starts at 20% interest rate and goes as high as 32/34%.    He's also inferring to obtain these C.C.'s one won't have to provide such info like proof of income, proof of credit etc.. Sure buddy, they just hand out $100k C.C.'s to any schmuck who asks for it, right?! REDICULOUS. 

Moving on.....

"So how do you scale without draining your own cash? Creative financing."

UTTER BS OF A TARGETED SALES HOOK - So here we get to see who Virgil is targeting, those chasing rainbows. Inferring a person can do REI with ZERO money of there own. Oh I remember the late night infomercials full of such BS. There is literally NOTHING creative about getting some credit cards, to max out, use cash to do something else and pray to God it works out. This is the YOLO plan.

Next.... 

"One of the most powerful (yet underutilized) tools is business credit card stacking. It allows investors to access $50K–$250K in 0% interest funding—without putting personal assets at risk."

LMAO - Is anyone seriously dumb enough to believe they will get $50k-$250k for FREE? LOL. I hope everyone with an ounce of sense can see right through that knowing the lender has to make $ some way some how, and wonders HOW. Because when you don't see how up front it's NEVER good.     Sure, you can get that 0% for 30, 90, heck maybe 180 days BUT it comes with the GIANT shark-teeth of if not paid off in full by the time the clock runs out WHAM your nailed with the 28% interest charge from day 1..... Because it's called DEFERRED interest.     But it's ok, Virgil later argues that it's on that person, so what if it burns there life to the ground, so what if they ran into issues on that flip they didn't know or think of and it's taking longer, Virgil got his $$$$. 

Oh, yeah, but Virgil says without putting personal assets at risk..... Yeah, he LIES! And admit's to that lie later. There is a (PG) Personal Guarantee, meaning ALL your personal asset's are on the line, ALL OF THEM. Because when you default on those, you better believe there coming to get there $ any way they can. And there is a whole LOT of things that can be done from wage garnishments to bank account seizures, property seizures, vehicle seizures, oh yeah a whole laundry list of fun.     I know, because I've done it. Yup, I've gotten judgements and done garnishments and seizure orders. Dang right. 

I can't even go on, the rest is just regurgitated BS from some know-nothing who has zero care for what he's doing past how much $$$$ he can make off people. 

Fact's are when working with DSCR or HML they have interests aligned with yours. They (a) know real estate, and (b) want you to succeed. So if it's NOT a deal there gonna tell you, deny the financing, tell you why, which is protecting YOU just as much as themselves.

DSCR and HML have no interest in going through default issues, it's a pain. They want you to succeed, it's literally how they make there best $$$$. They want you coming back again and again and again.

If you have NO MONEY than you are NOT READY to be doing investment real estate past wholesaling. 

Wholesaling is the #1 BEST starting point. 

Wholesaling is the #1 BEST thing you can be doing if you are serious about getting-in as a real estate investor and you don't have the capitol for things like down payment. 

Gator lenders or C.C. stacking is DUMB! It's extremely high risk, monumentally high risk. 

I am an active Options Trader, long considered one of the most risky trading/investing things out there and I would NEVER even consider doing such, not-a-chance. 

WHOLESALE. 

You will learn the #1 most important skill in REI, how to find and generate deals.

And the #2 most important skill; how to correctly analyze a deal. 

AND the #3 most important skill, how to correctly transact (contracts, paperwork) for a deal. 

REMEMBER: It's great to make $ but it's NECESSARY to never loose $! 1 big loss can take years to overcome. That is why experienced investors we ALL say the BEST deal we ever did is the one we DIDNT do, because it's those that would have lost $ and cost the profits of many others, maybe even years worth. 

If you have little to no $ it's even MORE important to NOT loose any, to NOT take crazy hairbrained uber high risk chances sold by snake-oil-salesman predatorily only thinking about making $ off you. 

This whole thing reminds me of the L.O.'s in '07' who were telling people just to put down whatever to get the approval on there interest only 3/5yr ARM, saying the reset doesn't matter because they'll have so much equity they can just refi or sell the place to cash-in on all the profits they'll have......

And we all know how that worked out. 

Getting into debt one can't service, on the hopeium of "if everything works out right...." is a setup for really bad things to happen. 

Oh-man that is ruthless.... 

But smart, wicked smart. 

Let it go silent. Let em think it's just all disappeared. Build up bank account, stop hiding and WHAM account seizure. 

Brilliant. 

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Virgil… The bigger pocket forms are quite unique. They tend to get a bit contentious from time to time. A new user probably would not know that until…..

Some posters try not to get into debates and other posters gravitate to them like a moth to the fire. And some of the folks that gravitate toward being contentious know quite a bit….

It probably seemed that people were ganging up on you and I guess they were. Lol.

I think one of the things that really caused some posters to become alarmed was the comment that business credit cards are not personally guaranteed. ( with all the business credit cards I’ve ever seen were personally guaranteed.) Which, if a person defaults on a card, it is almost a sure thing that it will get reported at the very least to the person’s credit report. Anyways, you seem to have a lot of spunk and I hope you do well in life. Remember some pushback can cause a person to reevaluate their product and learn it better and if they did not fully understand the product prior to they can make adjustments in their presentation. (I know it’s easier said than done so thanks for being patient with my little discourse.)

I'm not sure what company you're working for, but think about getting connected with a lender that offers long-term DSCR Loans. If not, you probably could partner with one at the very least as a referral. If a person takes down a property by Credit Card stacking they definitely need someone to help them get a long-term loan in place and pay off the credit cards as soon as possible.

Best regards 

Joe my reason for chiming in was not really the CC teaser rates or business credit which is filled with a lot of shall I say not ready for prime time folks.  Was simply spamming the site with about 3 or 4 of the same posts within about an hour of each other and clearly designed to drive business to himself.. U know in the old days of BP the post would have been taken down and the OP would be encouraged to purchase advertising space on BP.  Which he should probably do if he wants to sell this product.

The other issue is like many are pointing out there is huge risk of going from 0% to 24% and finding one buried in CC debt..  I have clients that I rent our money to that use cards to fill the gap when doing rehabs.. but many are refinancing and fico is critical so one has to be careful. 
Banks have unsecrued LOC's that are not reported I have two of them with different banks but these are VERY difficult to secured and require 6 figure deposit relationships to 7 figure deposit relationships.. So these Credit facilities exists  0% teasers exists they just can be quite dangerous for a newer or new flipper.. We see it all the time BP when folks run out of money on a flip :)

Jay, I appreciate your perspective, but I want to clarify a few things. My intent in posting wasn't to spam or push a product—it was to educate and offer a different financing perspective in a space that's largely dominated by hard money discussions. I made distinct posts tailored to different investor strategies (Fix & Flip vs. BRRRR) because different investors have different needs.

I also find it interesting that initially, many claimed 0% interest business credit was impossible, but now the conversation has shifted to acknowledging its risks instead. That tells me the skepticism isn’t about whether it works, but rather how it’s used—which is exactly why education is important. Yes, there’s risk in transitioning from 0% to a higher interest rate, but that’s true of any financing option, including hard money loans. Plenty of successful investors use business credit responsibly to scale their businesses without running into financial ruin.

I get that some people have had bad experiences with credit stacking, but that doesn’t mean it’s inherently a bad strategy—it just means it’s not the right fit for everyone, just like hard money isn’t. My goal isn’t to convince people to take unnecessary risks but to present an alternative option that has worked for many. I’m also not out here calling hard money a scam or saying business credit is the only way, yet I see plenty of people here dismissing business credit altogether while promoting their own preferred funding methods.

At the end of the day, every financing tool has its place, and investors need to be educated on how to use them properly. If someone isn’t comfortable with it, they shouldn’t use it—but that’s true for any financial decision. My goal is to contribute value, not spam the forum, and I’ll continue sharing insights that might help investors make informed choices.

Your comment "My intent in posting wasn't to spam or push a product—it was to educate"

Interesting, so you do this for free? Or do you make a commission for developing new leads? No shame in it, it's just nice to now up front where the motive is.

It’s a no brainer why I’m here, I’m here for the same reason why you’re here. To network. I shouldn’t have to explain the obvious. 

See, this is a great example of the issue I have with you Virgil. 
At best it's 2-faced.
To be more accurate it's lies, deception, distortion, manipulation...... 
And when the truth is drug out of you, it comes with insults and anger over having truth uncovered.

You justify your deceptive practices via holding an assumption "everyone else is doing it too". People rob banks every day too, doesn't make it ok. Not to mention NO not everyone is doing it, not even most, many, or even half. 

This all started when you lied about the repercussions of stacking all these credit lines. You went out of your way to obfuscate the very important and significant detail of Personal Guarantee. You went to extent in arguing on it to NOT have it fully disclosed and comprehended. 

When I am speaking to a crowd, on a webinar, in person 1-on-1 or here on BP discussing some investment or investment strategy I understand I also bear a burden of disclosure to the potential negative impactors. This is 101 to presenting such item of "education". 

And the excuse of an assumption of a persons pre-existing knowledge of such is an oxymoron to your stated premise of educating people on something they don't know or are not aware of. They can't already know of the details of it when you have specified they don't know of it and your "educating" them of it. THUS you bear a burden of FULL disclosure. 

If you had followed that, I don't think anyone would have had any issues. All the issues I have read are not "Errrr we sell hard-$ so we hate what your saying, errrrrr", no, it's been people CORRECTING the false and/or misleading information you stated and then calling for DISCLOSURE. 

 Dude, what are you talking about? When have I ever not said that someone wouldn’t have to PG? Stop commenting without knowing what your talking about! It shows the lack of intelligence on your part.

I said, you went out of your way REPEATEDLY to OBFUSCATE the very important detail of P.G.. 

That was being "nice" because you also out right made efforts to DISTORT and INFER very incorrect assumptions as to PG. You said "But saying personal assets are at risk is misleading". WRONG; being a PG means you are personally guaranteeing a loan, and EVERYTHING is attachable, including all your personal assets. 

You use word play to OBFUSCATE on the very important and key item of Personal Guarantee. I am betting that's the #1 push back you get from people on doing this and paying your 10%, so you take this action to OBFUSCATE on it. 

That is intent. 

I'd argue MALICIOUS intent. 

It's all across pg1 of this thread.

I label you a CON.

Because in my experience only CON's go to the extents and actions you have shown here to OBFUSCATE, distort, spin and use insults of things like skin color or ageism as a defense. 

Business credit is a legit tool. You Virgil are FARrrrrr from a legit individual in the space. 

“One of the most powerful (yet underutilized) tools is business credit card stacking. It allows investors to access $50K–$250K in 0% interest funding—without putting personal assets at risk.”

Yeah, there was so many examples across pg1 that I just cited pg1 vs cut n past every one. 

And here is an IMPORTANT aspect, Virgil is NOT licensed by FINRA or any financial entity what-so-ever to lend ANYKIND of financial advice. 

And he IS giving financial advice. 

How do I know he's not licensed before even looking him up? Well, for 1 that statement's he's made, how he's made them would be a VIOLATION of every financial licensing I know of. 

Virgil's statements are a VIOLATION of FINRA licensing, which would matter for Virgil IF he were licensed to give financial advice, which he is NOT. 

Virgil may want to look up IAA. 

FYI Virgil, I hope your not working with anyone in Hennepin County because what your doing, remote or not, it's a crime. 

You MUST be registered to lend Financial Advice. 

And as you stated multiple times, you "educate" people on these Financial Instruments.... 

I wouldn't want to tango with the office that took down Phillip Morris but hey, you go for it Virgil, have fun with that.