I don't know a lender in the state of FL that allows you to get a loan without wind insurance.You have to let the drywall dry out first.

Creative FinancingFinancing can be a challenge in tough economies, but several creative strategies can make deals work: Seller Financing: Negotiate with the seller to finance part or all of the deal, reducing the need for traditional loans.

For BRRRR investors, seasoning requirements can significantly impact your ability to quickly recycle your capital.While most lenders require you to hold the loan for at least 6 months (aka "seasoning"),Fabulous 5BUY - short-term bridge financing to help you with investment property acquisition.REHAB - With up to 100% rehab financing, you can stay liquid through renovations.RENT - Tenant in place or future tenant.

Jack,since you run Gelt and do private lending, think of being in first position on a loan with a private lender and that lender just randomly assigns the loan to someone else without advising you.

Thanks, DavidFannie Mae & Freddie Mac updated their Loan Level Price Adjusters (LLPAs) back in 2022 for 2nd homes.

We currently have a 3.5% rate on a 20 year loan that matures in late 2039. 

You may need to explore different financing options such as short-term fix and flip loans, home equity lines of credit, or even remortgaging another property.

Have you explored construction loans?

I refinanced the construction loan into a blanket loan and operate it like a 4 unit multi-family and achieved more favorable valuations being appraised as 4 separate condo units.

When you borrow from the insurance company, it is a loan against your Cash Value.