All Forum Posts by: Stevan Stojakovic

You’re doing a lot right, strong credit, solid income, and a smart house hack plan. The issue is most traditional lenders only count average verified hours over time, not recent overtime or multiple jobs unless it’s consistent for 2+ years. Now that you've consolidated and have a cleaner profile, you're actually in a better position for approval, especially with alternative or investor-friendly lenders who are more flexible on income.

A DSCR loan could also be an option if the property cash flows well, since those focus more on the rental income than your personal DTI.

Check out my profile and send me an email I would be happy to help.

With $450K cash and a solid network, you’re in a strong position to scale fast. Instead of tying up all your capital in one or two deals, consider leveraging it across multiple projects using financing, think fix & flips, BRRRRs, or small multifamily. That way, your cash acts as down payments, not full purchases, letting you grow a portfolio more aggressively.

You could also partner on larger deals or lend private capital to experienced investors short-term to grow returns passively while you line up your own deals.

In 2025, mobile home parks and modular builds are becoming increasingly attractive investment options, especially with the growing demand for affordable housing. But how do you finance these deals? Traditional financing isn’t always an option, and private lenders have stepped in to fill the gap.

In our latest video, we break down the key details on:

✅ Which types of mobile home parks and modular builds are getting financed
✅ The loan terms, LTVs, and timelines to expect for these properties
✅ How to structure your deal and present it to lenders
✅ Real examples of successful deals funded with private money

Whether you're looking to buy an existing mobile home park or develop a modular build, this video gives you the insights and strategies you need to fund these deals effectively.

🎥 Watch now to learn how to secure funding for your next mobile home park or modular build project:

📌 Submit your deal at phoenixfunded.com for fast, reliable financing from private lenders.

💬 Have you financed a mobile home park or modular build before? Let’s connect and share experiences!

#MobileHomeParkInvesting #ModularBuilds #RealEstateFunding #PrivateLending #HardMoneyLoans #AffordableHousing #InvestmentLoans #PhoenixFunded #RealEstate2025 #RealEstateInvesting

In 2025, real estate investors are facing slower underwriting timelines, and it’s not just a coincidence. Between stricter compliance regulations, delayed appraisals, and slower capital flow from investors, getting a deal funded has become more time-consuming.

But here's the thing: You don’t have to sit back and wait for the delays. With the right preparation, you can significantly speed up the process.

In our latest video, we break down:
✅ Why underwriting is slower this year - and how it affects your deals
✅ How to submit a smarter, more organized loan package that accelerates approval
✅ How private lenders can help you avoid the lengthy delays that come with traditional bank loans

If you’re looking to close deals faster and avoid the headaches of slow underwriting, this video will help you understand how to act quickly and efficiently.

🎥 Watch now and learn how to prepare your deals for quick funding:

📌 Submit your deal at phoenixfunded.com and get fast, reliable financing from private lenders.

💬 Have you experienced delays in underwriting? Share your story, and let’s talk about how to move past it!

Want to fund your next real estate investment without going through traditional banks or depleting your savings? It’s possible - and it starts with the equity in your primary residence.

In our latest video, we explore powerful strategies like HELOCs, cash-out refinances, and equity partnerships to unlock capital from your home. These strategies help investors scale their portfolios by accessing funds quickly and without the usual red tape.

What you’ll learn:
✅ How to use HELOCs and cash-out refinances to fund down payments and bridge funding gaps
✅ The benefits of equity partnerships to scale your investments without taking on new debt
✅ How to manage the risks of leveraging your home’s equity to fund deals

If you're ready to start funding real estate deals without the long wait times or hoops to jump through, this video is for you.

🎥 Watch now and learn how to make your home work for you!

📌 Submit your deal at for quick, reliable funding.

💬 Have you used your primary residence to fund deals before? Let’s connect and talk strategy!

Hi Alex, we can definitely help. Feel free to reach out directly! Thank you!

In today’s real estate market, it’s still possible to get financing without traditional income documentation, but the process has evolved. If you’re self-employed, a real estate investor, or don’t have W-2s to show, you may be wondering if you can still qualify for a loan. The answer is yes, but you need to understand the updated requirements for no-doc and lite-doc loans.

In our latest video, we break down:
✅ The updated requirements for no-doc and lite-doc loans
💼 How private lenders are adapting to new regulations
📊 What types of deals still qualify without income docs

If you’ve been held back by traditional lending standards or you’re looking for a quicker and more flexible option, this video explains how private lending can provide the capital you need to move forward.

🎥 Watch the video now to learn more, and submit your deal at phoenixfunded.com for fast, hassle-free funding!

💬 Have you ever struggled to secure financing without income docs? Let’s connect and share experiences.

Thinking about buying land for a build, flip, or hold strategy? You’re not alone - but financing land in 2025 isn’t what it used to be.

📉 Lenders are being selective. Raw, speculative acreage with no utilities or zoning? Hard pass.
But deals are still getting funded - if they’re the right kind of land.

In our latest video, we break down:
✅ What types of land still qualify for funding (infill lots, shovel-ready, entitled parcels)
📊 What terms to expect: LTV, rates, timelines, and more
📄 What documents lenders actually need to get your land deal approved
🚨 Why zoning and a real exit strategy matter more than ever

If you’re working on a land acquisition and don’t want to waste time chasing the wrong lender - this video will save you hours.

🎥 Watch now and get clarity on how to fund your next land deal:

📌 Submit your scenario at phoenixfunded.com and we’ll tell you if it pencils

💬 Planning to buy land this year? Let’s talk strategy. What kind of deals are working in your market?

Hey Steve,

Go with the better property using financing. It sets you up for stronger appreciation, better tenants, and easier scaling. Cheap rentals can work, but they come with more risk, hassle, and slower growth.

📄 Got a lender term sheet in hand? Don’t get too comfortable.
In this market, most so-called “pre-approvals” aren’t approvals at all - they’re just marketing tools with vague numbers and zero real backing.

⚠️ If your lender hasn’t reviewed the deal, run the numbers, or committed in writing - you're not approved. You’re exposed.

🎯 In this new video, we cover:
🔍 How to tell a real pre-approval from a generic offer
💣 Why weak term sheets kill deals in competitive markets
🧠 How to vet your lender before you submit the deal

💬 We also share tips on how to avoid going hard on a deposit only to find out the lender can’t close - a mistake we’ve seen too many investors make.

✅ Ready for a real answer? One that means something?
Submit your deal at phoenixfunded.com - and get clarity before the offer goes out.