All Forum Posts by: Stevan Stojakovic

Given that your property isn’t a primary residence, a cash-out refinance is likely your best option to access equity. With investment properties, you can typically borrow up to 75% of the appraised value - significant funds if the $245,000 estimate holds.

The "cash-for-equity" program from QuickLoans appears to be a shared-equity or deferred repayment model, where you receive upfront cash in exchange for giving up a portion of your future equity. While this can be appealing for short-term liquidity without immediate monthly payments, it often comes at the cost of significant equity upon sale. For long-term strategies, a cash-out refinance is usually more advantageous, as it preserves ownership and offers fixed terms.

To proceed, start with a professional appraisal to confirm the home’s value, compare refinance terms with traditional lenders, and carefully scrutinize shared-equity program terms to ensure they align with your financial goals. Let me know if I can help you further.

Best regards, Stevan

Learning about the Fix & Flip game to the next level? Dive into our latest video where we break down strategies for renovating Fix & Flip properties. Insights on how to:

• Identify the most profitable Fix & Flip candidates
• Optimize your renovation budgets to maximize ROI
• Stay ahead in the competitive real estate market

🔗 Watch the video here:

Need financing or advice?
Reach out at [email protected] or apply directly here: http://phoenixfunded.com/.

Let’s flip some profits! 🚀

Good resource to get started is The Banker's Code by George Antone. It's a detailed perspective on how private lending works, with practical strategies for building wealth through this niche. The book is useful for understanding how to structure deals, assess risks, and think like a lender, rather than just an investor.

Pair this with engaging in forums like this one and attending local meetups to put what you learn into practice. If you’re serious about private lending, this book is a great way to sharpen your skills and make smarter decisions.

Good luck, and feel free to reach out!

Best regards, Stevan

Well, using an FHA loan to house hack could be a smart move. After one year of occupancy, refinancing into a conventional loan can remove PMI if you achieve 20% equity through appreciation or principal paydown. If you're considering BRRRR, the FHA 203(k) loan could work for bundled purchase and renovation, but it's often simpler to use personal funds for lighter rehab projects.

You could focus on properties with strong rental potential and manageable upgrades to increase value. Always have an exit strategy in case refinancing takes longer than expected, such as optimizing rents or reducing expenses.

Best regards, Stevan

Ready to dive into the world of Fix & Flip real estate investing but unsure about how to finance your projects? Whether you're just starting or scaling up, understanding financing options is key to success.

In this animated video, we cover:

• Hard money loans and private lenders
• Budgeting tips for renovations
• Strategies to maximize profits

Financing doesn’t have to be complicated! Learn how to secure funding and turn distressed properties into profitable investments.

🎥 Watch the video: 

PS. If you’re looking for personalized financing solutions, feel free to reach out at: [email protected] or apply directly at: http://phoenixfunded.com/

Let’s build something great together!

Congratulations on starting your real estate journey at just 19! Beyond the foundational advice others have shared, there are a few critical areas to focus on. First, think about asset protection and consider whether holding your property in an LLC or similar entity might provide liability advantages—consulting a real estate attorney can clarify your options. Additionally, take time now to build relationships with reliable vendors and contractors; having a go-to network for maintenance issues will save you time and stress. On the financial side, work with a CPA who understands real estate to optimize your tax strategy, especially for deductions like depreciation and expense write-offs. Networking is another powerful tool—engage with local real estate groups and seek mentorship to accelerate your learning and build connections that will support your growth. Finally, define your long-term investment strategy, whether you're aiming for cash flow, appreciation, or a combination, so that each decision aligns with your bigger goals. Starting so young gives you a tremendous advantage; with the right planning and focus, you'll be well on your way to long-term success.

Best regards, Stevan

One thing we, as humans, are consistently bad at is predicting the future - especially when it comes to political and economic shifts. That being said, we might see continued focus on business-friendly policies, particularly in sectors like real estate and construction.There’s been discussion in the past about indexing capital gains taxes to inflation or lowering capital gains tax rates further. Opportunity Zones 2.0? Focus on cash flow, leverage financing smartly, and structure your deals to remain flexible under varying tax conditions. For those looking to scale their portfolios, now might also be an excellent time to secure funding. History shows that opportunity often thrives in times of change.

Best regards, Stevan

You could explore niche strategies to stand out. Consider emerging short-term rental markets, targeting areas like secondary vacation destinations or work-from-anywhere hotspots. Think lakefront properties in small towns, destinations with new attractions (casinos, amusement parks)...

Another idea is investing in properties suitable for accessory dwelling units to create dual-income setups, especially in cities with relaxed ADU regulations.

Land flipping near growth corridors or participating in real estate syndications could also offer a lot. Specialized rentals for corporate tenants might provide steady cash flow with less competition.

Best regards, Stevan

Curious about how to get started in the lucrative world of fix-and-flip real estate investing? Check out this educational video we’ve put together on the TOMTDKA YouTube channel!

Whether you’re new to real estate investing or looking to sharpen your strategies, this video is packed with actionable insights to help you succeed.

👉 Watch it here: 

PS. If you’re looking for financing solutions for your next fix-and-flip project, feel free to reach out at [email protected] or directly apply here: http://phoenixfunded.com/

Let us know your thoughts or ask questions in the comments below! Happy flipping!

Hi Seth! You mentioned you're reading books on the subject - that's always helpful. Educate yourself on investment fundamentals and understand lender criteria, such as minimum loan amounts and property requirements. Demonstrate seriousness by being ready to discuss specific deals with accurate details. Clarity shows commitment and improves your chances of obtaining funding, whichever property you choose.

Best regards, Stevan