I’m just completing my first flip and I used a combination of a HELOC and hard money to complete it.

I run several large properties, run a construction with 60 employees and have about $1 million in all checking accounts, combined, at all times, but when I want to mortgage a property, or buy an expensive vehicle I still have to submit financials and tax records for every property and the construction business I own.In fact, I get very angry with the banks that finance my large multi-unit properties because every bank does a financial audit, every year, and I have to submit every tax record for every property I own , my personal tax records and the financials and tax records for my construction.

For those that leave a traditional W2 job and replace it with a combination of predictable investment income (rental income) and unpredictable real estate income (wholesaling, agent commissions or similar), how do you continue to get the financing you need to refi a BRRRR deal?

I’m not saying analysis is useless, but it’s only helpful if used in combination with construction knowledge and local market knowledge in order to determine the overall QUALITY of the property, not just how it scores according to a few “rules”.

There are loans that combine repairs and financing the property.

I have confidence in you.You can either get a discount on the property reflected in the Option to Buy, or you can base what the TB pays you on a future inflated value...or a combination of both.  

Or maybe some combination of the two.  

The loan company I'm working with will offer a total of 95% LTV (combined mortgage and HELOC), but the catch is that they want to charge me 5.75% interest on the first mortgage.

I have been living here for 15 years.The plan is to bring about 150-200k fund from outside of US and combine it with my 100k to invest in rental properties. 

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