Your simplest option is a hard money loan or private loan against your free and clear property to provide the cash for the rehab.

Anyone can get 4.3% now in a 100% treasury fund (was 5% until recently), virtually risk-free.

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

Our solution is "Do all the work on the front end" - we vet the applicants internally and go through their info with a fine-toothed comb.

Please feel free to reach out and ask questions if you have any!

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

I don't know what's going on in their lives, and usually if someone is punching up at a landlord or their representative it's because of something in their lives that they're really stressed out about.

They handle everything—guest communication, pricing optimization, cleaning coordination, and maintenance—allowing you to focus on scaling or other priorities.While you pay a percentage of your revenue, the time and stress saved often outweigh the cost, especially with larger portfolios.

The majority will always jump to the easy solution thinking it will solve all of their problems.

I may have a solution if you are..I'm interested.