The lender does charge the flipper 4 points upfront, and the note represents 55% of the property’s ARV, so I’m not too worried about needing to foreclose if it comes to that.The lender uses his own capital for initial funding and then sells off the notes after that.

The top agents would be charging like attorneys and make more money then the 2-3 percent they would get from the seller.

BUT The points they charge and interest are both way higher than normal, on some deals I ran numbers the points and interest were going to be 20k on properties where the ARV is 100k so you have to get properties at such a low price to make it work that it is so hard.

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

Contrary to what was stated in a previous response, brokers don't all charge points.

This will show you more evidence of the fees they really charge.

.- Value-Add Investments: Beyond cosmetic upgrades, think about adding amenities like solar panels, EV charging stations, or smart home tech.

The importance of lowering expenses and increasing efficiency to maximize property income.

Alternatively, DSCR loans offer long-term financing with lower rates, but they come with more complex requirements.

The rates will be lower and will allow you to maximize profits.