@Eric Johnson   Investor and lender based in Dallas.

You can double check the info by calling the lender/servicer

A 0% APR credit card is a smart move for materials, but for labor costs, you might explore a private or hard money lender, especially since your loan term is only 3-4 months.

The other way I fund deals with none of my own money is using a private lender that I have years of experience and relationship with and/or using HELOC and other business lines of credit.

The top three expenses in a flip are the rehab costs, lender fees, and sales commissions.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

(1) Ask for a pre-approval letter of some sort from their commercial lender?

My pre conceived notion was that 80 was sufficient @Tyler Garza With respect to DSCR loans, the LTV is only one factor that lenders consider when underwriting a loan.

While I am a lender, I personally use hard money on all of my own investment projects.

Traditional lenders won’t approve it, and hard money lenders who offer this type of financing all the time look for experience, assets, or strong equity in the deal.Partnering with someone who has financing or experience is realistic approach when starting.