In either case, the wholesaler usually doesn't need to provide their own funds to complete the deal unless they are doing a double closing and need private financing for that purpose.The title company plays a key role in ensuring that the funds are processed correctly and that the transaction is legally and financially finalized, including disbursing funds to the seller and paying any fees owed to the wholesaler, private lender, or other parties involved.Contract with Seller: The wholesaler secures a property under contract, usually with a small earnest money deposit.Find Buyer: The wholesaler finds a buyer (investor) and assigns the contract, earning an assignment fee (difference in price).Closing: The buyer wires funds, the wholesaler receives the assignment fee, and the title company handles the transaction.Costs:Earnest Money: Small deposit.Marketing: Costs to find deals.Funding (if needed): For double closings.Profit: The wholesaler earns the assignment fee.prioritize transparency and value.

Most of our investments we look at IRR (time value of money) to determine which investment is a good fit for us at this time - which factors in returns, risk and time of investment - is it a short term investment we want to get appreciation play or long term fixed income investment.

He can't be more lenient on cutting rates like the last three meetings, and now has to actually play defense by hanging tight or actually increasing. 

@David RobertsonFor what it's worth I've been playing around with your beta version of Flipper Force and would like to say; it has the potential to be a game changer for the flipping business.

Slightly less bookings, way less lead times, prices have dropped.January 2025 is promising relative to how 2024 has played out. 

Commercial lenders are not playing by the same set of rules as conventional lenders.   

If they don't you personal financial situation plays a bigger part in securing a loan. 

I have 2 factors that I know play into it, but there's always more beneath the surface.

How certain of the appreciation are you would also play into that question.Run some scenarios on what you could do with the extra cash vs what you stand to gain from the appreciation play and decide based on that and your goals.

I've been playing with amortization calculators and have seen you can pay off 1/3 of the mortgage and reduce 2/3 of the duration.