https://www.bbcfunding.com/past-funded-deals daily 0.75 2025-03-27 https://www.bbcfunding.com/past-funded-deals/tallahassee-4014-lawrence monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3bda46bb-857d-44ce-8212-ba29ad25798a/Florida-Real-Estate-Investing-Tallahassee-4014-Lawrence.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/515cf1bf-59dd-49a9-9f46-0c46d92da3da/Lawrence_Ave_Post-Renovation.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender - Florida Rehab Loan Location: Tallahassee, FL Purchase Price: $75,000 Reno Amt: $185,800 Loan Amt: $245,800 Sale Price: $625,000 Actual Term: 16 mo. Net Profit: $310,450 Cash-on-Cash: 2069% Yes, you read that right, over 2000% Cash-on-Cash RETURN!! You may be interested in HOW that’s even possible. Well its not an annualized return, though even the annualized return is significantly higher than normal. The investor bought this house for $75,000. A single story, just under 1000 sqft, our investor DOUBLED the square footage by enclosing a porch in the rear, and then going vertical including the porch. The photos below tell the whole story. On top of that, some of you may be aware of a phenomenon called the “Path of Progress”. This is where the local government intentionally dedicates money toward an area as well homeowners are demanding much nicer properties than what is currently residing there. Our investor found a property at the right time, right place, and the right location. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600253932-0VYZ652VL4Q73XO7299T/Lawrence_Ave-Pre-Renovation.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600257184-V5OUKR01OACEXAU5O87O/Lawrence_Ave_Post-Renovation.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600410098-6314W2MCWQ0448FG7QM4/IMG_4822.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600517428-FLO5GG58YSTNODUD6EG2/20150418_172422.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600611580-O627P982MAMG7JDKTIRH/IMG_4832.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600662823-5MF33VDFIU7ZO2JYQ1H3/KensRehab6.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600679906-H7PFCSFO4SBBM2H3GP33/IMG_4825.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600700723-VXBX6CXBM6LUX5B8TRV2/KensRehab1.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600752610-R43BEUHPY5HEJXO5VFJ0/IMG_4830.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600765169-LB20WNEU0NVAYS5H4LVW/IMG_4853.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600796120-9DRMPMYLWERB67T63UYT/IMG_4827.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600801617-XUOXOMOOHOWEWUL65RBH/IMG_4829.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600827713-GIY7KVLWPVENVHWRBY52/IMG_4836.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600874930-7S8ILSQQT7TGJNB2Z56L/IMG_4846.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679600916161-EZZ6SEYTLDZU7CTD5HUR/IMG_4880.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1679601004508-UEZ161KGMCN0TM1TUITT/IMG_4885.JPG Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Lender https://www.bbcfunding.com/past-funded-deals/fwb-607-ferretti monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2d74e21e-f1ab-4ad5-bc0f-2f54dac5b834/Florida-Real-Estate-Investing-Fort_Walton_Beach-607_Ferratti.jpg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/558a759a-db28-493f-b9c5-82eb4143cdb9/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - Florida Rehab Loan Location: Fort Walton Beach, FL Purchase Price: $ 78,000 Reno Amt: $ 55,000 Loan Amt: $ 125.200 Actual Term: <2 mo. Sell Price: $ 170,000 Net Profit: $ 31,200 Cash-on-Cash: 400% This was one of those projects that you can stand back and say, “Wow, I’m glad I was a part of that investment!” This borrower was an investor who we had worked with many times. They had their numbers dialed in and their timeframe to complete the construction on point. As you can see above they only took 2 MONTHS to complete this project! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2e445f2f-794c-46cc-b710-a2b1f35c2a3d/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - New Paint, New Home While we may agree with “Don’t judge a book by its cover”, when it comes to house shopping this golden rule simply does not apply. Our investor knew as much, and by transforming the exterior and putting in the dollar and effort to landscape this property, they commended an incredible price! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6b5d104b-9d39-48b1-82bd-e6f5e6c72f07/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - Out with the Old, In with the New Many times for newer real estate investors, being able to figure out how to make a tight spaced bathroom seem larger can be challenging, especially with bathrooms made in the 60’s. Today’s modern family desires to have their bathrooms be just as warm, and spacious as any other room in the home. Because we funded 100% of the renovation, the investor was able to properly budget to give this bathroom a full facelift, and add space where they could. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a38a9f7e-0ff0-42dc-8bfe-607e9109afa1/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - Tight Spaces Made Spacious By utilizing every square inch of a room, investors can add storage, and make use of “dead” space with certain creature comforts. Take for instance the shelving inset in the shower, as well the bathroom sink tabletop. There was dead space under the old sink, and now the homeowner had full utilization of this area. By creating an inset for shower items they allowed the homeowner to maximize their smaller walk-in shower. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/20fbd713-2199-49c6-b3a1-1d2908053112/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - 60’s Kitchen Here We Go Oh, the old galley-style kitchens! These can be frustrating, but in this case the wall that you see, with the oddly placed cabinetry, was a spacer wall to a formal dining room. Open-concept living areas (which include the kitchen) are what homeowners look for. It makes the home look bigger, and less compartmentalized. As you will see in the next photo the wall with the fridge and stove was removed, while the cabinets and countertops wrapped the back wall. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/7aef23e3-2432-4f27-994b-bd9f4a4485d7/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida Hard Money Lender - So Fresh and So Clean Sucha. HUGE difference between the Pre-Construction photos and the results, yes!? The inset lights, and clean neutral colors, make the kitchen a focal point in this home, and an inviting space for family and friends to gather, connect, and commune with those passionate about cooking. Use this idea for your future renovations and watch as the offers roll in! https://www.bbcfunding.com/past-funded-deals/jacksonville-9624-gisborne monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a39b1efb-0816-4e3e-ad82-f1ca2a2c34ea/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/aa7e5797-1b15-4a0e-923f-c20bad64c383/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Florida Rehab Loan Location: Jacksonville, FL Purchase Price: $ 60,000.00 Reno Amt: $ 10,000.00 Loan Amt: $ 52,000.00 Actual Term: 5 mo. Refi Amount: $ 80,000.00 Net Cash Flow: $ 375.00 This is a perfect example of a BRRRR strategy loan. This investor bought a decent property at a great price! It did not need a lot of work, basically cosmetic on the interior and exterior. They immediately turned around and refinanced 5 months later after placing a tenant and proving income. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/febb3585-2304-428a-b4d9-7168c7b736bc/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Small changes equal big cash flow As you can see our client did not do much to the exterior. They simply painted the existing shutters and added a few shutters. They also bought affordable blinds and had them installed in all the major windows. This is critical for happy tenants. Tenants want privacy and by having blinds already installed you increase the attractiveness of potential tenants to your rental properties. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f8ce0713-95f3-4c84-bf77-72d2875d1835/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Fresh coat of paint and Grout Cleaner Sometimes all that is needed is a fresh coat of paint and grout cleaner. Florida is notorious for tiled floors. This is helpful for the longevity of your property considering the added wear and tear that comes with sandy soil. However one of the biggest downsides is the grout. Grout can become dingy and even black if not maintained and regularly cleaned. Investing a few dollars into a steam cleaner and grout solution can go a long way in making your rental rent ready. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c2311d13-049b-476f-81ff-82df1e5201b3/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Cut costs on the renovation by recycling Recycling not only applies to consumer goods, but also to items you find during your renovation that can be added to repurposed in your finished product. This includes trim work, and even painting “contrast walls” or items within an existing structure such as brick or shutters. Having an open eye to find the mundane to bring to life will not only add perceived value in the eye of the beholder but also increased rent, due to that perceived value. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/80bdaefe-cd3d-46c2-a364-40859e4584c2/outdated-kitchen-renovation-loan-florida.jpg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Know the difference between wants and needs Kitchen renovation is often expressed in complete gut jobs, with modern and trendy cabinets and appliances. However in a BRRRR sometimes your best bet is to know who your end target audience is and then evaluate your current setup. In this case, the target audience was a long-term renter (LTR) who was not focused on upscale appliances and marble countertops, with the latest trend in cabinets. They would simply want functionality and affordability. Know who your target audience is and complete the renovation of your BRRRR to suit your audience, not your personal taste. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1b7a0f00-a692-437c-9613-b5ad7280623e/easy-ways-to-improve-a-property-for-more-rents.JPG Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Cost effective way to improve your rentals As previously mentioned, Florida is notorious for having tile flooring throughout the entire house. This means of flooring accomplish an end of minimal maintenance and the longevity of your property. However adding carpet to the bedrooms, can bring warmth and comfort to a sometimes sterile and cold environment. Consider adding carpet to your tenant’s bedrooms to increase the tenant's desire to be in their home, your property. https://www.bbcfunding.com/past-funded-deals/jacksonville-2036-ribault monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3b945669-3972-4174-a915-bafae02b4599/Florida-Real-Estate-Investing-Jacksonville-2036+Ribault.jpg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8cabadf5-1945-409b-936c-91c542bf2417/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Florida Rehab Loans Location: Jacksonville, FL Purchase Price: $ 30,500 Reno Amt: $ 75,000 Loan Amt: $ 95,500 Actual Term: 5 mo. Sell Price: $ 145,000 Net Profit: $ 27,000 Cash-on-Cash: 200% Affordable housing is one of those types of projects that not many people want to get involved with due to its perceived profitability. However, when approached with a sense of process and repetitiveness affordable housing can be lucrative. This project goes to show it. But at $30,500…. yes that’s right … $30,500 the investor had a lot of room to improve the property and make a profit. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/67722be0-6a84-46a6-9c36-e89ac84d3c9a/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Fresh look with a retro design A fresh exterior paint job, even with brick can be the difference between thousands of dollars, and between no to a lot of interest. Not to mention the location. This project while in a neighborhood that constantly would rate a C to C-, is right across the street from Ribault River in Jacksonville. If you head over to Zillow just to get an idea of property values now, this property has a supposed value of $260K+. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6c06f264-0a60-41d3-ab90-300c2e504ac7/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Down to the studs As you can see this photo was taken mid-project, but by the time this was done, the electric, plumbing, and HVAC were already inspected and completed, and this was by month 2. Now, much of the speed of a project has to do with the efficiency of the city, yet investors can help speed the process along as well. By ensuring that all appropriate documents are completed correctly, submitted on time, and in person, you can go a long way to curb your downtime for your contractors. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/66f2123c-bc62-4463-a20a-a88214236413/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Builders grade kitchen for rental purposes Not every kitchen needs to be a Chip and JoAnne Gaines type of project. Keep it simple, keep it safe as the saying goes. Our investor did not add in a lot of top-line finishes yet the finished product was perfect for an affordable housing finish. This can also be a hard change of pace, especially for the “go all out” rehabber. They are used to spending a lot of capital to make a project pop, yet in these type of projects the need is not high-end but efficiency and minimal costs. Know your market https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c3aa5e09-1d2f-49ed-b60d-23c87019b9a2/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Make the most of every space One aspect we really appreciated about our investor was the ability to make use of every available space. Whether it was a closet or simply an added storage space somewhere they made the home feel as if there was more than enough storage for the whole family and then some. We could have been convinced that the borrower was an heir to the IKEA family! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/691933df-9dc1-40be-8359-fa9e6e017a76/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Lender - Modernizing the standard tub Repurposing bathtubs are a great way to save on costs yet bring a fresh new look to an outdated bathroom. By using drop-in tub covers you utilize the existing framework of the tub while adding newness to the room. Remember affordable housing so you won’t get top dollar and you have to identify ways to maximize your profit while keeping costs reduced. At the end of the day our investor may have only made around $27K, but they only had $10K at work in the project. After it was all said and done they earned a 200%+ return on their capital in only 5 months! Believe me, we did several projects a year with this client and their annual return was well into the mid-triple digits on the capital they put to work on these projects. https://www.bbcfunding.com/past-funded-deals/crestview-505-gil-ava monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e2b3ff09-4ed3-4a9e-a913-aa20ad095465/Florida-Real-Estate-Investing-Crestview-505+Gil+Ava.jpg Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/356beb75-a99b-496a-a7a1-396cf0bc9147/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - Florida Rehab Loans Location: Crestview, FL Purchase Price: $79,000 Reno Amt: $65,000 Loan Amt: $125,000 Actual Term: 7 mo. Net Profit: $37,800 Cash-on-Cash: 97% This gem of a deal was situated just north of Eglin AFB, in the small town of Crestview FL. Close to a major military base with lots of transient traffic, this project was going to make an incredible flip. The investor’s plans were to expand it from a 3br/1ba to a 4 BR/ 3 BA with a covered carport, and a detached additional mother-in-law suite. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/21c6bac3-ed81-497b-8f9b-747f547f3fa9/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - Country Living Sometimes a simple cleaning of the property is all that is needed to set it apart from others. The front porch posts were replaced with pine 4x4 and painted black. The shudders were custom-made cedar shudders also painted black. They made the house “pop” as the investor liked to say. We could not agree with him more. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8887d2fe-8dcd-4044-9ff9-659598f6e792/bathroom-nightmares-florida-hard-money-lender.JPG Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - Out with the 60’s… For investors that have ever renovated a property that was built in the ‘50s ‘60s or even ‘70s, this type of bathroom decor is not uncommon. Horrid flesh color tiles, with a cast iron tub, are staples of this time frame. The investor had lots of experience, in preparing and renovating these types of properties. One thing of note is for frequent renovators be sure to have a plan and a material list for common renovation styles you may use. This reduces time and effort in finding the “right” material, color, and aesthetic for every project. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2e03f199-a68f-4308-aa32-0f8060d5728d/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - In with the new! Replacing the tile with a more modern tile, and replacing the tub are key ways to improve the aesthetic of a bathroom, as you can see here. New Toilet and handwashing station ad a modern feel, and keep the room cozy. As a note renovators should note that the investor added a built-in “nook” for shower items. This is extremely helpful and many of the property viewers thought that was a nice addition even for a guest bathroom. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/571ec122-6b95-4453-9e40-0aaeb0e9574e/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - The bigger the project the bigger the profit Sometimes investors can get leary when walking into a project with the roof falling in. This many times hold great opportunities. You can “open” the ceiling and you even have the opportunity to see behind the walls so to speak, so it’s actually a benefit to have the ceiling or walls falling down around you. At least then you know exactly what you're getting into. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/77e58535-f017-4346-a499-8574f5c29146/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Crestview, Florida Hard Money Lender - Open concept kitchens always win The investor really went all in with the kitchen. They opened up the dining room and the kitchen to make one great room, The appliances and cabinets were all builder’s grade yet that was the acceptable type of finish the community expected. Needless to say, this house was listed and under contract in less than a week, with multiple offers pushing our investor’s profit upward! https://www.bbcfunding.com/past-funded-deals/tallahassee-539-glendale monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/640c1378-fb0f-48ec-b9df-2d4419ade20c/Florida-Real-Estate-Investing-Tallahssee-Glendale.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e58a8cfc-2e9a-4c62-874f-cb9c74136b60/tallahassee-florida-new-construction.jpg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - Florida Rehab Loans Location: Tallahassee, FL Purchase Price: $ 35,000 Reno Amt: $ 175,000 Loan Amt: $ 135,000 Actual Term: 19 mo. Sell Price: $ 375,000 Net Profit: $ 70,000 Cash-on-Cash: 200% These are the types of projects we love to fund. The investor was a new investor for use yet they had plenty of building experience. They also had a great vision for the potential of this property and planned on using a modern and eco-friendly renovation. We structured a JV with them on this project and they walked away with a great amount of profit. The project did go longer than expected, and we did have to provide an extension, yet the final project was beautiful. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/90b1c343-8a4a-4f3a-b4f4-2c3019f76e15/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - Going vertical is the name of the game. Whether you like two-story homes or not, this burned-out property needed some major work, down to the foundation actually. The vision for the property was to go vertical. Interestingly enough as long as three sides of the existing wall stayed intact along with the existing foundation with no footprint extension, the house technically qualified as a renovation in the permitting department! Talk about a time saver. The Master bedroom and two guest bedrooms were placed upstairs while the downstairs had an open concept galley kitchen (see below). https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/058b5187-a525-45ca-ad6e-204c18a36579/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - Fire damaged properties offer opportunities Manytimes investors can be hesitant in purchasing and taking on a burned out property. Unlike a wood frame house, cinder block homes offer unique opportunities. As mentioned earlier our investor was able to go vertical, doubling the square footage. The finished product is incredible! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/86195dd7-7a17-4d0f-aba2-c1e271290256/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - New windows brighten the day This room, the living room, was the focal point of the investor’s vision. Big bright, open windows allow plenty of natural light to stream in and brightened up the entire downstairs. On a sunny day you would not even need to have any lights turned on. By keeping the downstairs bright and open the property invited plenty of prospects and the house was quickly sold. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/337e66db-4ca6-4696-b310-57df06a5aadf/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - Well laid plans mean efficient work As you can see there was A LOT of debris from the burned out interior. Our investor ended up removing over three dumpster loads of demo! As a side note the house to the right of our property, was bought by another investor and they improved their property as well. These two homes set new values in the neighborhood and were appreciated by the community. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2956f277-585f-40df-b31e-98dbdfa702ee/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tallahassee, Florida Hard Money Loan - What sells a home? Kitchens and Bathrooms No matter what the “In” thing is for renovations and modern design, having an open kitchen is something most home-owners cannot go without. By dedicating time and effort and thinking slightly outside the box this open-concept kitchen galley allowed the dinning room, living room, and kitchen to be one flow-through area. It is perfect for hosting parties and inviting the family over for Thanksgiving. https://www.bbcfunding.com/past-funded-deals/jacksonville-6737-van-gundy monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/472779a8-10af-4de0-8329-28118d3154f8/Florida-Real-Estate-Investing-Jacksonville-Van+Gundy.jpg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/33964d9f-d134-4185-8102-2589705d77be/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - Florida Rehab Loans Location: Jacksonville, FL Purchase Price: $ 52,500 Reno Amt: $ 45,500 Loan Amt: $ 96,500 Actual Term: 4 mo. with a Refi Cash Flow: $1,125 This project was a perfect example of a BRRRR loan. The investor had a lot of experience, and we had already completed multiple loans with this investor in the Jacksonville area. The investors’ plan with this project was to renovate, rent, then refinance, which they did. They shortly thereafter sold the performing asset to a rental investor. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6a7dedcd-4712-4785-b03a-686475f6a14c/florida-renovation-loan-rehab-lender.JPG Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - A fresh coat of paint makes all the difference Sometimes all that is needed is a fresh coat of paint to the exterior of a property and dramatic changes can happen. As well windows though often looked at by BRRRR investors as an unneeded cost, this property needed new windows. While the extra costs could have been argued for revamping the existing windows, the cost savings to the tenant will be appreciated. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ceac5d24-3976-404e-aa1d-f7ca68029dda/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - Out with the old in with the new In many projects we have seen real estate investors refurbish cabinets… but these… there was no saving! outdated, wooden cabinets which were clearly pre-60’s date the property and will cause young tenants to shy away. Our investor knew this and they made the decision to replace the cabinets. We are positive the new rental property investor was grateful as well as the tenants! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/7092df1b-362b-42e0-854d-a8909fd0d657/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - Simple is better for rentals One of the greatest challenges we see with rental properties is the over updating. Our investor went with builders grade finishes, and for the location this made the most sense. As well the exit strategy was clearly know from the beginning and this is key. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d25dc7ba-7280-4780-9837-154e881b0017/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - Barred and bland The windows, as you can see, were such an eyesore. Bedrooms can be brought to life with a fresh coat of paint and new carpet. never underestimate the small touches to a renovation. You don’t need to go all out for a renovation project, especially if the end goal is to create a nice affordable rental. Stay on target and stay within budget. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c3d0002e-6eb0-4480-aca7-1d60cd3514f3/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida Hard Money Loan - Blinds can be a lifesaver Everyone wants privacy. Installing mini blinds is affordable and adds that touch that many renters are looking for. You will notice this photo was taken before carpet was added, yet rest assured, the investor did install carpet. While this project may not have made it to the cover of Home and Garden, its these easy, clean and efficient renovations that can many times put the most cash in your pocket. https://www.bbcfunding.com/past-funded-deals/brandon-1413-woodstork monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/817235ee-9974-410a-8617-08555b9587dc/Florida-Real-Estate-Investing-Brandon-1413-Woodstork.jpg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6180c3c7-9ad6-4d26-9ec8-989c8f2c7914/Brandon-florida-hard-money-rehab-loan.jpeg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - Brandon, Florida Rehab Loans Location: Brandon, FL Purchase Price: $ 115,000 Reno Amt: $ 48,000 Loan Amt: $ 145,750 Actual Term: 4 mo. Sell Price: $190,000 Net Profit: $ 11,800 Cash-on-Cash: 68% We would like to point out that not every property is a home run. Sometimes the profitability of a project does not pan out. This was the case with this project. The investor originally believed they would be able to jump into this project, quickly update the interior and repaint the exterior and double their money in a short time. Alas not every deal has an awesome ending. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6ec58d16-3dee-4132-a6ef-c218280a0907/renovated-brandon-florida-fix-and-flip-loan.jpg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - Florida Stucco Benefits Personally, Florida stucco homes are just an eye-sore. We don’t like the finished look of the product (all the houses look the same) as well given enough time the metal messing under the stucco can begin to rust if enough stucco has not been applied. In this case, though the change in color brought this property to life. That, and wonderful photography. Be sure to invest in a real estate photographer when creating your listing photos. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/4b5d4155-0243-4fa3-868a-821abb00556a/brandon-florida-bathroom-remodel.jpeg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - Bathroom Over Budget but Beautiful Product As always bathrooms are a great way to ensure profitability. In this case the bathroom was an easy cleanup and wipe down. By simply adding new lighting and giving the grout a good scrubbing you can make an old bathroom come to life. What is not shown in this photo is the master bathroom, where water damage had required a complete gut job and floor joist replacement. This ultimately increased the budget for that one bathroom, and reduced improvements to the other bathrooms, such as this one. Making sure that investors have a flexible lender that will allow them to shuffle money set aside for one part of the project to another is key and critical. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ee5e8044-1330-49d6-b919-d933a7fc7edd/florida-masterbath-remodel-hard-money-lender.jpg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - So Fresh and So Clean Remember sometimes working within a budget that changes you have to make with what is available. Given the over-budget issue with another bathroom the investor had to shuffle money around and the improvements allocated to this bathroom had to be minimized. We show you this before and after to highlight the importance of professional photos, as well knowing a good handy-man that knows how to clean grout! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b565222a-b47c-4505-906f-0bcbf081663a/kivingroom-brandon-florida-open-ceiling-repairs.jpeg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - Dim Lit Rooms Need A Fresh Look Sometimes a large open room simply needs a fresh coat of paint and the floor cleaned and polished. In Florida, many public use rooms such as the entryway and livingrooms are covered in tile. This provides for easy cleaning and a durable finish. As seen in the previous photos a simple fresh coat of paint can breath life into a dimly lit room. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/eef59c3d-17b0-4619-a1d8-955b3707f647/florida-front-room-renovation-construction-lender.jpg Real Estate Investor Deals Completed in Florida - Brandon, Florida Hard Money Lender - Repaint, Retrim, Relist As you can see the interior of the renovated home looks warm and welcoming. Keeping the space open and adding in a vaulted ceiling can add even more space to the feel of a room. Overall this project would have taken a lot less time, and could have been completed in record time, had it not been for the Masterbath. Just remember, be sure to conduct thorough inspections to ensure you are aware of as many issues with a property as possible. https://www.bbcfunding.com/past-funded-deals/pensacola-707-pinecrest monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f5483ce4-eeac-483a-b339-b065dede8ec5/Florida-Real-Estate-Investing-Pensacola-707-Pinecrest.jpg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bb58ef43-270f-4fca-a473-3557011411e9/pensacola-rental-property-florida-investment.jpeg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Florida Buy Renovate Rent Refinance Repeat Loans Location: Pensacola, FL Purchase Price: $ 87,000 Reno Amt: $ 45,000 Loan Amt: $ 114,600 ARV: $ 175,000 Refi LTV: $ 131,250 = 75% Cash-Flow: $ 1,450 Many Real Estate investors want to get into BRRRR. But BRRRR’s ability to work in favor of the investor boils down to GREAT purchase prices, coupled with excellent refinance terms. Identifying your 30yr Refinance lender WHEN YOU buy the asset, is critical. Minding your credit score and completing your project on time and on budget will help keep you within the coveted 1.25x DSCR or higher. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/49037447-6a8e-4af2-87ea-649db7bc4bf7/pensacola-florida-brrrr-stratgey-rental-property.jpg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Reddoor Phenom What was it about the Red Door renovations that happened throughout the later part of the first and second decades of the 21st century? You will most likely find red door renovations near military bases, along with white trim and black roofing, and possibly siding of many projects. Why? Psychologist state that the red door, is very attractive to patriotic-minded home owners. Knowing your target audience and your market is key. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bffdcc2a-ce9a-428e-bfbd-5ed8555b25bb/kitchen-needing-updates-pensacola-floria.jpeg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Base Level Kitchen Renovation As a BRRRR investor it is key to remember that you are NOT renovating for a end buying home owner, you are renovating for tenants, on a property that you will own for the long term. Being aware of this and keeping your renovation budget inline with this fact will help you same money on areas that otherwise might cost more for a retail sell. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d767bb1a-938c-4eec-a8da-a498eee371b6/remodeled-kitchen-pensacola-florida-renovation-loan.jpg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Finding Savings in the Small Things What are a few ways this real estate investor was able to save on costs yet produce a very nice remodeled kitchen? Having a running account with large suppliers is one of the easiest ways. Due to this investor’s constant revolving orders at lowes and a special they were running on over stocked cabinets they were able to get these at 30% discount. As well all the appliances seen here come from the “scratch and dent” section. What could have easily been a $12,000 remodel ended up costing only $8,000 at the end of the day. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/29718730-1e76-4f19-859d-7ff233596a9b/florida-bathroom-needing-remodeling.jpeg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Bathroom Remodel Ideas Whenever a real estate investor is looking to remodel a bathroom coming up with ideas to change a current bathroom into something bigger is always top of mind. In this case you will notice this was actually a half bath, as there was no shower. The wall right next to the toilet was a hallway storage closet, which was the perfect size for a shower / tub como. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f333bc2a-0e1a-458a-95ce-734b8a116425/new-florida-bathroom-renovation-lender.jpg Real Estate Investor Deals Completed in Florida - Pensacola, Florida Hard Money Lender - Open Walls and Hello Sunshine! The investor decided to open the wall to the hall closet, and then installed a window into the backyard. This added sunlight into a rather dark and cramped space, as well made this 3/1.5 into a full 3/2. Finding ways to improve your projects is an excellent way to set yourself above the competition and edge out the extra profit when needed, even if the project will ultimately be held for a long-term rental. Pensacola FL is an excellent area for rental investors, as they are able to constantly find new families in need of housing due to the military rotation of duty stations. https://www.bbcfunding.com/past-funded-deals/plant-city-504-cherry monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bc195363-9fcb-425d-ba87-cbf1c50b712a/Florida-Real-Estate-Investing-Plant-City-504-Cherry.jpg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3f09cc70-4d28-4efb-bd95-69ce728e2c6d/Plant-city-florida-rehab-loan.JPG Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Florida Rehab Loan, Plant City Location: Plant City, FL Purchase Price: $ 110,000 Reno Amt: $ 47,500 Loan Amt: $ 141,000 Actual Term: 5 mo. Sell Price: $ 209,900 Net Profit: $ 31,410 Cash-on-Cash: 190% Sometimes the best deals are hidden gems. Real estate investors in hot markets such as the greater Tampa Bay Market, must find their deals, outside of the MLS. These deals are found through their own efforts or through wholesalers. Making sure that you have HUGE profits takes extra care and finesse. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c6ebba05-0b34-4a53-9303-72cfd5df6feb/plant-city-florida-fix-and-flip-loan.jpg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Renovated Home Plat City, FL Sometimes painting brick can yield great results. If properly paired with trim colors that highlight the home, your finished project can attract a LOT of interest. During the time this property was renovated Gray, white and red doors were a huge hit with patriotic homeowners. You can also see that a little attention to detail for the landscaping was included, along with a new roof, and new windows. Do not ever underestimate how important these items are for a new homeowner. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/db4bf04d-3048-4842-967d-8ced52fb8eb0/florida-kitchen--needs-update.JPG Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Kitchen in Need of Remodeling We all know that kitchens can either make or break a properties potential to sell fast and for the most amount. Identifying immediate fixes and issues during your inspection and walk-through of the project is critically important. What if you plan on keeping the layout and arrangement of electrical and water connections is critical in helping your contractors properly estimate a budget. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3c5a5881-071b-4a37-8c81-4227570a03ca/updated-kitchen-plant-city-florida-investor-loans.jpg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Renovated Kitchen Wins Hearts, Minds and Bellys One of the aspects we loved about this renovation was the investor's’ decision to sand and coat the cabinets with a high gloss durable finish. While not the traditional “shaker” style, using the same color format, with updated hardware made for a beautiful and unique finish to a stunning project. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f140724b-04c4-4730-9be4-7269a5b7a57b/bathroom-nightmares-renovated-florida-property.JPG Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Bathrooms from the Grimy Otherside Whatever your thoughts on bathrooms, having a properly restored bathroom can do wonders for your projects. Blue Bay Capital provided 100% construction funding and this investor used our funding to dramatically update and open this bathroom. Knowing what is on the other side of a bathroom wall can be a pivotal decision. opening up bathrooms can add dramatic value. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9fa4da5f-5346-4443-951e-eac6c384ec39/bathroom-remodel-florida-hard-money-lender.jpg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Maximizing Space for a Masterbathroom As mentioned the investor knew that the back wall of this bathroom was a walking closet. By opening the closet and adding it to the Master Bath, they were able to truly provide a grand open spaced bathroom for the proud homeowners. Changes such as this will dramatically improve your asking price when you go to sell. Not to mention a bidding ware, hopefully! https://www.bbcfunding.com/past-funded-deals/jacksonville-2916-breckenridge monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a757daf0-7bdc-4305-aae9-910a1f990e5f/image-asset.png Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1b1f37dd-b259-478b-b5f8-1181dc9c9b28/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Florida Rehab Loan Location: Jacksonville, FL Purchase Price: $ 55,000 Reno Amt: $ 45,000 Loan Amt: $ 90,000 Actual Term: 4 mo. with a Refi Cash-Flow: $ 2,100 In today’s real estate investing career, a popular strategy is called the BRRRR Strategy. The Buy, Renovate, Rent, Refinance, and then Repeat is a popular strategy for those who are looking to maximize cash flow and build their Florida rentals. In this strategy investors buy a “fixer-upper” but instead of listing it for sale, they place a tenant, season the rental for 6+ months, and then turn around and refinance into a 30yr fixed-rate loan. When done properly rental investors can make serious income and build equity in their properties! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3cd57cbc-6006-4713-8eab-640b3679fb47/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Hard Money Lending with Social Impact There is nothing more impactful to a neighborhood, than when an investor takes a dilapidated property, fixes it up with a hard money loan, and then sells it or places a tenant. These types of investments improve surrounding property values and improve the overall health of a neighborhood. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/0074541e-3f33-49c1-aaba-676d259d0e02/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Galley Kitchen Remodel Having a small kitchen in your real estate investment can be a hard sell for a future tenant or homebuyer, especially when the culture wants open concept kitchens. But a smart investor knows how to use their rehab loan to create a warm welcoming space that will entice any buyer or renter to want the property. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b3061918-83cf-4e32-b590-58bdc365e2a9/florida-renovated-kitchen-fix-and-flip.jpg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Beautiful Florida Kitchen Remodel In this Jacksonville renovated property our investor renovated the kitchen with updated cabinets and neutral colors to bring out the warmth of the sunshine state. Replacing the old off-white tiles with wood grain tiles add a durable yet elegant touch to a high-traffic area. The investor opened up the wall to allow for a more open concept as well as adding in a small island. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c2904bf3-c2c8-4b1e-86a8-f2486e04c08a/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Headaches of Pool Ownership You will find many different view-points concerning pools found in the backyards of rehabs. Inground pools can carry potentially hidden and expensive repairs. Our investor decided to spend the extra money on a pool inspection and knew that there pool foundation and plumbing were in excellent shape. Now it was just a matter of cleaning it up! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8187374a-4e33-4a73-9562-adc0292c6a82/renovating-pool-jacksonville-florida-hard-money.jpg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Hold Loan - Renovated Florida Pools If an investor ever comes across a pool, especially in Florida, they can be great value adds. They increase the potential asking price or even rental. in this case it paid off big! Having a pool in a rental can be risky, but if done properly and with the right pool inspections, a rehabbed can make their money back by the bushel full! https://www.bbcfunding.com/past-funded-deals/tampa-703-broad monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5bcc9d68-ae48-4d40-9fbd-094981c21747/Florida+Real+Estate+Investing-Tampa-Broad.png Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c997bcc7-8e14-4058-9e5a-cc61ac3e71f8/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Tampa Florida Rehab Loans Location: Tampa, FL Purchase Price: $ 130,000 Reno Amt: $ 60,000 Loan Amt: $ 117,000 Actual Term: 9 mo. Net Profit: $ 127,000 Cash-on-Cash: 173.97% Every real estate investor wants to find a property that they can renovate and make beautiful. Improving a local neighborhood, and adding value, while encouraging responsible ownership is the hallmark of a good investor. This Tampa Florida rehab was made possible with Blue Bay Capitals Rehab Loan, for real estate investors. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/cdeee7a0-165c-4d35-94eb-77fc8ccb3c61/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Tampa Real Estate Tampa has several neighborhoods that are in absolutely premium demand, where this property is located, Seminole Heights Tampa is one of those locations. Seminole Heights, also called “Old Seminole Heights” is the bungalow capital of the world, and people move here for the location, the aesthetic, and the proximity to downtown Tampa! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8590191e-74cd-4e95-9ef5-6e937214e9c2/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Boring Kitchen This kitchen was not the worst we had ever seen, however, it was boring, plain, and unattractive. Using Blue Bay Capitals Rehab Loan, our investor was able to approach this property with the correct amount of funds to turn this kitchen into a beautifully renovated space https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e64ccb4e-0dbf-4025-9ff2-3718702bcba3/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Open Concept Kitchen A smart and sophisticated real estate investor knows how to make use of existing material. Kitchen cabinets can be expensive, especially custom-made ones like these. Tall and elegant, our investor decided to make the best use of them, and keep them. We think that the colors and the utilization is perfect for the Tampa renovated bungalow! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/05f98c17-203e-44ef-accb-36aba7f8815a/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Bathroom Remodel in Tampa Bathrooms and kitchens are what sell homes, say Realtors, and we could not agree more. When buying Florida real estate for investment purposes, using a Florida local hard money lender can make the difference in having enough budget to make any bathroom stand out. our investor made no exception for this renovation and it turned out great. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/0ee8bc56-ee8d-45f6-9623-785fbc8ec596/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - AirBNB Studio Kitchen One of the biggest trends right now are STR’s or Short-Term Rentals. Being able to live on one side of a property and rent out a studio or a spare room can help increase a homeowner’s income while decreasing their expenses. Like Robert Kiyosaki says, “Assets put money in your pocket, liabilities take money out”. Our investor utilized this approach with a backroom that was separate from the main living space. This increased resale value and allow our investors to double their cash invested! https://www.bbcfunding.com/past-funded-deals/plant-city-501-cherry monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ef64157b-d31d-4f56-a1f7-9ff5c865a5a4/Florida+Real+Estate-Plant+City-501+Cherry.png Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5b557979-5636-4c1f-8e9c-e05daf968fcb/Plant+City+Florida+Real+Estate.jpeg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/31807d56-5950-4d5b-b014-9d324eff9140/image-asset.png Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan As you can see the unique color may be a BIG turn-off for some homeowners, but this is where knowing your local market is so key. Here in Florida, having an “ocean” colored home is actually something of and in thing. With bright colors, it’s almost always a safe route to go with bright white trim. As you can see the house stands out! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a28e5ef3-05f7-4556-83e3-dbe7fff0ce14/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan Many times kitchens do not need to be “redone”. In most cases if done properly you can take an old kitchen, using all original parts and yet make it feel new and improved. The challenge here was the natural light coming into the kitchen, that and the old 70’s light boxes in the ceiling. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/078a1256-c0e6-482b-b1e4-bba6fbba964e/image-asset.png Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan What a difference! This kitchen only needed an extra window above the sink, which the investor had installed. You will also notice that the box lights were replaced with recessed lights. All the cabinet doors and drawers were replaced with new hardware and soft close hinges. The panels were in excellent shape and simply needed a good cleaning. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f2fe2225-26d4-4d7a-a468-70dc84b46c0a/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan Bathroom, the pride and glory of many-a -renovators! Beside's the kitchen, bathrooms are the biggest change in most renovated homes. Taking a tight space and making it feel open and spacious can be a challenge for newer investors. Removing clutter and starting with the bare bones is a great way to let your creativity run free. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3f120e58-d056-45eb-a6a6-dbeb46cf7107/image-asset.png Real Estate Investor Deals Completed in Florida - Plant City, Florida - Fix and Flip Loan As you can see, the investor added tons of “Space”, not by adding sqft to the bathroom, but by simply replacing the cast iron tub with a walking shower and glass door. Simple yet elegant these cost-effective renovations can significantly add value in the eyes of the end home buyer, your client! https://www.bbcfunding.com/past-funded-deals/santa-rosa-beach-baird monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/42663ca9-65e7-462e-8beb-4ea32c55d591/Florida+Hard+Money+Lender-Santa+Rosa+Beach-Baird.png Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ab15ae13-8ed7-421b-aac3-b42a057bd8dd/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9cc7d189-0482-4b94-a234-8cfda88f6ce3/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold The finished product was incredible, and the investor refinanced and held the property as a short-term rental for a few years and then sold in for over $1.2M. The property was only located 1 block from the beach. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1b23bf0a-faee-4d07-b0ee-16fc554e18f0/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ebdb7edd-51e2-4c24-a5ad-651c4cfb1a72/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold The remodel was fantastic. This Florida rehab project was used as a STR for a period of time and then was sold for $1.2M. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9a1480a7-bd2b-4ecf-9924-40016bf4f9a2/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b9e0b4fb-6cf2-4afb-919c-797c45535022/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Santa Rosa Beach, Florida - Fix &amp; Hold This property was a perfect property for an STR, it had 5 bedrooms, with 4 bathrooms, and two half baths. Each family basically had their own adult bathroom and the kids had a bunk room which slept four children. https://www.bbcfunding.com/past-funded-deals/fort-walton-beach-hemlock monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/de4f9ed4-07b1-43ca-b0fb-9ac82829ce74/image-asset.png Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/00d67bc1-1d20-425a-bd21-68c178b2216c/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/466e19c1-87a3-4183-8411-68bf3e1c056d/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment Whatever the issues with the foundation is, a foundation remediation expert can help fix. With warranties and inspections, the homeowners of this property were assured that if anything went wrong they were covered. This also helped with insurance. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/63087348-9597-47cf-8895-c665a2a5b82e/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment Kitchens are a theme with our investors and it’s one of the highlights we love to tell story about (and show pictures of course). A small nook kitchen with limited light due to the window cover and outdated cabinets made for a perfect area to allow the investor to shine in their design skill. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d4373d86-b533-4897-ba2d-e320459d9bdd/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment Not every kitchen can be “opened” yet being able to blend and match your cabinet and countertop colors can make a small space seem much larger. We loved the combination of white cabinets with the birch wood floors! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/820e0376-2cf1-40ae-b1f8-eb0cbc2a2bd6/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment Again, fireplaces in FL are not common. In most central to South Florida homes, you will rarely see a fireplace installed. But in the Panhandle of FL, Fort Walton Beach, it can get cold for the winter months, so the location made sense to keep the fireplace. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2d120982-8380-4ec0-8e53-23fcce01b38b/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Private Loan Investment Painting the fireplace while installing inset bookshelves ensured that the new homeowners would feel relaxed and comfortable in their new family room. It is all about the end buyer experience, and having a property that sells that end buyer experience is so key. https://www.bbcfunding.com/past-funded-deals/shalimar-lorraine monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b01013a7-daef-44ec-91ec-ae58e72dad8d/image-asset.png Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/fa3f8658-c75d-4229-b35f-ceeeda6d66f5/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/152bbfae-0f4f-41a6-8e5f-62e324fa1993/image-asset.png Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan The outside was cleaned up and the yard was touched up. Not much in the way of landscaping, a decision by the renovator. We felt the investor could have earned a little bit more on his sell price by doing this but at the end of the day they walked away with a sizeable profit. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a440b870-06a5-4b8d-b79d-bc7a58422d55/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan As you can see this Florida kitchen was outdated but in good condition. Opening up the kitchen into the living room area, brought in a lot of natural light, as well updating with shaker cabinets added a nice touch. New appliances always make a kitchen stand out, and are highly recommended instead of refurbished or “scratch & dent” deals at your local builder’s supply. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/84886aed-0663-4eaf-ae30-c4e8aa5dc1fe/image-asset.png Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan As you can see, the finished product looked amazing! Cream shaker cabinets bring out the warmth of the home, and add to the “country” vibe. The choice of granite matching the dark wood flooring was an excellent touch and contracted with the warm colors of the kitchen. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5a00c467-7490-4f1f-b656-f4c0fc53bd1b/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan A fireplace can be a centerpice for a family. While most properties in FL do not need fireplaces, the Panhandle of Florida does see low winter temps, so for the location this made sense. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2e685596-2c43-4daf-b286-7a267503bb9c/image-asset.png Real Estate Investor Deals Completed in Florida - Shalimar, Florida - Hard Money Loan By offsetting the fireplace from the main wall and adding bookshelves, this piece easily became a favorite for potential home buyers. What is even more interesting this was a two-sided fireplace. On the other side was the master bedroom! Once lit you could enjoy the warmth of a fire while in bed or relaxing in the living room. https://www.bbcfunding.com/past-funded-deals/fort-walton-beach-poulton monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/77512fc3-48e8-49e3-b7a5-8a45e03b9418/Florida+Real+Estate-Fort+Walton+Beach-Poulton.png Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ea42a583-075d-4fdb-8ac8-c8cdaa1c5391/image-asset.png Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bdc772ee-fbc1-4f89-a5f1-fa4829e428a5/image-asset.png Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan As you can see the exterior was simply cleaned up. The support posts for the front porch were replaced and a new front door. Other than that the exterior remained fairly the same. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9bff7152-6f13-468f-b554-136bbdbd7b8f/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan We all know that kitchens and bathrooms (especially the master bath) are what sell properties. Being able to open up the kitchen and make the dining room, kitchen and living room all one, open are will breath live into an older home! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/356ac9bf-36c9-42d9-ab02-7711a187ed43/image-asset.png Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan Our investor understood that Floridians enjoy the open concept kitchen and it makes for great family connection time. The cabinets and appliances were not top of the line, they fit the neighborhood and the demand for this style of home. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1d21fa5a-1543-45aa-8c39-a9b259821899/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan Bathrooms are an incredible way to radically change a home. Too often we see investors, simply replace the walls of the shower/ tub with tiles, yet keep the old cast iron tub in place. If you have the man-power and the time, why not remove it and replace the tub with a standup shower, like our investor did? https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d604abc1-de1d-4d8f-9093-73a014c09d16/hard-money-lender-panhandle-florida-fast-closing.jpg Real Estate Investor Deals Completed in Florida - Fort Walton Beach, Florida - Fix and Flip Loan By replacing the tub and enclosing half of the tub area, you can create a shower immediately! We thought the mix of grey slate tile with the white tile floor in the shower made this home “pop” and it was reflected in the sale price. https://www.bbcfunding.com/past-funded-deals/gainesville-usher monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/58fc1774-50e8-453f-ad1a-ec31c2478765/image-asset.png Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6c8c5a7a-387a-4f1c-9ce0-b4d9c3ef8dd7/gainesville-florida-rental-property-brrrr-strategy.jpg Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f19ec285-eae8-48e4-b043-363741a7620d/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan While the kitchen was in decent shape it did not go with the “tenant” focus our investor approached this project with. This is critical. knowing your exit strategy plays just as important a role as your renovation plans. Knowing who your end client will be (renter vs homeowner) will determine your renovation budget! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/90a77e10-b074-4458-a2da-48bc0b7a9971/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan Sometimes bathrooms can be tough to work around, especially those old bathrooms from the 70s and 80s. Tight and crammed it can be a challenge to make them seem open and spacious. I think our investor did a good job, look below! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d3da48c6-ba1c-444a-9039-8983da8269eb/Usher_Cir_Front_Post-Renovation.jpg Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan While some projects have a dramatically different outside, some do not. And that’s OK. Again it all depends on who your target audience is for your exit. If the investor had decided to sell this property on the open market, they would have repainted the outside in black and changed the shutters for a naturally worn wood look. It would have been able to easily fetch $135K plus! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/357cacbf-67ad-4a37-bba6-dbc8881f9b0b/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan Renovation of a kitchen for tenants needs to be simplistic and easy to maintain. Dark cabinets help cover the wear and tear of tenants in a property and can add longevity to regularly used spaces. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/4e7fa940-d2f4-4bf5-ab93-0d89dc4566e4/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Gainesville, Florida - BRRRR Loan What a difference right? There’s not much that changed in the aesthetic except the removal of the shelving over the toilet and changing out the shower wall with a ceramic tile inset. These little changes can add great value for those cramped and un-alterable places such as small bathrooms. Having creativity is a must when handling your own projects! https://www.bbcfunding.com/past-funded-deals/st-petersburg-rhoda monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9647864a-70fc-4b25-a19f-e184928cb73e/Past+Deal+Example+St+Petersburg+3+Rhoda.png Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/60c97f85-cda7-4e4a-b432-f4a1302f7764/image-asset.jpeg Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/decc77cb-12f3-41f9-a7c2-00895684395a/image-asset.jpeg Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan Sometimes you will come across a kitchen that is just too limited in space. You cannot open walls, and you cannot expand. This is where having the creativity to work with what you have comes into play. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/07d412eb-6ba8-40a0-9728-913151e4cb56/image-asset.jpeg Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan Many times eye sores, such as a standalone induction air vent can be a hard issue for the average investor to work with. Savvy and creative real estate investors often take on projects with such characteristics and can negotiate even better purchase prices due to the perceived obstacles from other “non-savvy” investors. Learn to work with smart and creative architects and designers to help you solve layout riddles to take advantage of missed opportunities from other investors. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5f2d5024-4b34-4bff-b22d-5f7922c19f16/image-asset.png Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan Knowing what potential home buyers are interested in and what they are looking for is critical in getting the highest, best offers when listing to sale. Communities near the beach tend to lean towards brighter tropical colors, and knowing how to play to the crowd can be the difference between thousands in profit. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bd5e9c1f-a019-4a87-8471-a7cb746228f5/image-asset.jpeg Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan Understand that not every small kitchen is a recipe for disaster. Again knowing the “vibe” of your properties neighborhood is critical. In this case, the buyer ended up buying this house to rent out as a short-term rental, so a large kitchen was not the primary focus, access to beaches, downtown St. Pete, and a “tropical” feel were more important. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/4376e5f8-8c2c-42ad-9245-2eaf506850bc/Construction+Funding+Florida+Private+Lender.jpg Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida - Fix and Flip Loan Don’t be afraid to spend the extra few hundred dollars to replace vents and fixtures. While many real estate investors focus on replacing the big-ticket items it is sometimes the small things that sell a property. https://www.bbcfunding.com/past-funded-deals/daytona-beach-rhoda monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ed512f30-fa46-4d57-a43e-6f6ad140cfad/image-asset.png Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/132f305a-e5fd-446b-b5a4-5b2a3eb2dc90/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e44c03a9-979b-4ea0-9e3a-0e35a202f64f/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan Sometimes it’s hard to envision the potential of a small tight space. This takes creativity and ingenuity on behalf of our real estate investors. With the right contractor and enough experience, an investor can see through the muck and the grime and create a truly stunning, attractive space even in the worst of conditions! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ef295e12-7be1-4f95-9e2a-502babfc317a/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan This property had a unique living space above the main living room. With the attic a bit smaller than needed, they opened up the upstairs to create the perfect mother-in-law area while maximizing the potential of the beach access property in Dayton Beach FL! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e07d8d03-040f-45f9-9346-d5268450fa25/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan Favor fortunes the brave, and this saying cannot be more daily evident with a property’s aesthetic look. Understanding the location of the property and the type of end buyer you're trying to attract goes a long way in determining the "look of a renovated property. We LOVE the ocean colors used in this renovation! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/0a0f0cf0-3a06-4c62-863a-b87eaa49366e/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan Remember that tight cramped kitchen? Well, our investor opened up a wall and created a galley kitchen to rival a magazine article! Utilizing space is a must, and understanding to get the most out of a room that is considered a selling point for most homeowners is critical https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b853cbf8-5f09-41b2-8c0c-fe2f98541cab/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Daytona Beach, Florida - Fix and Flip Loan What a difference! Our investor used the upstairs living area and transformed it! The short-term investor who bought this property is sure to use it to maximize their profits! Again it all comes down to the end buyer and building out your idea to suite their needs! https://www.bbcfunding.com/past-funded-deals/jacksonville-florida-moose monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/fe9f2d6c-6ed9-4f86-b9e6-a2e1a92ec955/image-asset.png Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1b37d015-b354-42a3-83e3-b16e7270a3d9/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/4853439c-2f1b-4605-b18e-7981a214ab17/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan The interior to this property was not in bad shape. The property was a rental before our investor bought it, and they immediately went in to make it “Rent Ready” for an end buyer who would be a Landlord. Knowing your exit strategy in Real Estate is one of the most important aspect investors can know going into a project. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f97bec41-d4a9-4ea9-b0c0-39290576125b/image-asset.jpeg Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan The kitchen can be one of the top selling aspects of any home. Be sure to adequately account for a kitchen renovation so that it appeals to your end buyer. This dovetails off your exit strategy. Our investor knew that they would be targeting landlords, they allocated the correct budget for a rental kitchen renovation. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c0df9176-6e6a-4aff-a8d2-d3682e6c3f11/image-asset.png Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan Not every project needs a complete make-over on the outside. Sometimes replacing windows, roof and updating the paint can go a LONG way in adding value. because this property was going to be a rental it did not need much as far as exterior improvement. *Pro Tip - pressure washing a driveway is an excellent way to increase curb appeal without denting your wallet! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/aaeec296-7a45-4385-bc4a-6a9f11ca35c3/image-asset.png Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan Adding accent walls is a nice touch, but the time needed and the perceived value may not match every exit strategy. Thats why we work closely with our investors to help them determine the correct strategy for their market and to maximize dollars spent versus dollars gained. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a3c9add3-6812-498e-a6c4-49145e387dd1/image-asset.png Real Estate Investor Deals Completed in Florida - Jacksonville, Florida - Fix and Flip Loan Our investor went with streamlined and commercially durable kitchen hardware and appliances. Know who your target audience is and how to cater to their needs and expectations and you will receive your expected return on your real estate investments. https://www.bbcfunding.com/past-funded-deals/tampa-florida-west-warren monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/50138368-372a-45eb-84cd-c4f1ee518441/image-asset.png Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/872d39f1-8cfe-443d-a602-d74ca74681e3/Tampa-Florida-Private-Mortgage-Loan-Fix-and-Flip.jpg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c9f744e3-6920-4e3c-b362-7b3f4af2446f/Florida-Hard-Money-Lender-Orlando-Real-Estate.jpg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan The interior was burned out, and had sat vacant for many months. The Tampa, Florida real estate investor worked with the city to prevent an imminent domain decision due to blight. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/7f9f4846-a696-4e69-9048-b693916beb30/Jacksonville-Florida-Real-Estate-Investments-Private-Lender.jpg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan The exterior needed just as much work as the interior. Blue Bay Capital ensured that a foundation inspection was completed as well we helped the real estate investor ensure the project was thorough. By having a feasibility study completed, provided by Condor Field Services Inc., we helped the investor ensure all issues were addressed by the GC before starting the project. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2b79c7e8-8a46-415e-98a5-61bbc495129d/Tallahassee-Florida-Real-Estate-Investment-Lender.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan The result was a quaint, bungalow style, mid century renovation that fit perfectly within the Tampa Heights neighborhood, just North of downtown Tampa. Keeping with the bungalow aesthetic, yet modernized windows and amenities this real estate investment property is the type of real estate investments we love to lend on! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/327fa0c6-686b-42cb-841c-410c6ee64288/Rehabbed-Kitchen-Tampa-Florida-Hard-Money-Lender.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan This renovated Kitchen (original picture above) implements modern technology with an open concept. With room for a dining table, as barstool seating it is a perfect area for hosting family friends, and neighbors. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e5f3bb87-73e4-435e-a0d7-dbfd259abc9f/Beautiful-Backporch-Florida-Real-Estate-Investor.jpeg Real Estate Investor Deals Completed in Florida - Tampa, Florida - Fix and Flip Loan The backyard was enclosed with a new fence and a back deck was added to accommodate parties and gatherings. The family that bought this house is loving the Tampa family friendly environment and our investor saw a great return on the real estate investment here in Florida. https://www.bbcfunding.com/past-funded-deals/tampa-florida-2 monthly 0.5 2022-08-01 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b8da636e-4c25-4e84-a2e4-3a0934c6ffeb/Past+Deal+Example.png Real Estate Investor Deals Completed in Florida - Tampa, Florida - Private Mortgage Loan https://www.bbcfunding.com/past-funded-deals/pensacola-florida monthly 0.5 2020-09-12 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1599937841772-OORKLIJICXJGFG84QMH4/pensacola-florida-real-estate.png Real Estate Investor Deals Completed in Florida - Pensacola, Florida https://www.bbcfunding.com/past-funded-deals/orlando-florida monthly 0.5 2020-09-12 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1599937155638-5DZA8TK4O25TWF9Y7PM6/Orlando-florida-real-estate.png Real Estate Investor Deals Completed in Florida - Orlando, Florida https://www.bbcfunding.com/past-funded-deals/st-pete-florida monthly 0.5 2020-09-12 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1599936574679-N032FEIPQ7FB4FG9TEM4/st-petersburg-florida-real-estate.png Real Estate Investor Deals Completed in Florida - St. Petersburg, Florida https://www.bbcfunding.com/past-funded-deals/category/BRRRR+Loan monthly 0.5 https://www.bbcfunding.com/past-funded-deals/category/Fix+and+Hold+Loan monthly 0.5 https://www.bbcfunding.com/past-funded-deals/category/Fix+and+Flip+Loan monthly 0.5 https://www.bbcfunding.com/past-funded-deals/category/Private+Mortgage+Loan monthly 0.5 https://www.bbcfunding.com/past-funded-deals/category/New+Construction monthly 0.5 https://www.bbcfunding.com/past-funded-deals/tag/Jacksonville+Private+Lender monthly 0.5 https://www.bbcfunding.com/past-funded-deals/tag/Panhandle+FL+REI monthly 0.5 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Strategy - Florida DSCR Loans - Typical BRRRR Strategy’s In this section, I review the most common scenario when it comes to the typical BRRRR strategy from the initial purchase loan including the construction amount, and the breakdown of how the capital stack normally is seen. This is not a catch-all, and you will want to discuss your lending options with your lender as far as your initial purchase. Some lenders will fund more than 80% of your purchase others will fund less. Some lenders will fund 100% of your renovation and others will fund less. Every loan and every borrower will be different but in the investment industry, these are the most common terms so this is what I will be examining today. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5c6e9efc-81a0-4120-a399-2e45d5878d70/image-asset.jpeg Florida Real Estate Investors - B.R.R.R.R. Strategy - Florida DSCR Loans - A refinance called by any other name is still a … refinance? Before I dive into what the refinance of the typical BRRRR strategy looks like I believe it is necessary to define the two primary types of refinances. A “Refinance” is also known as a Rate & Term refinance. These two terms are often used synonymously and interchangeably. For almost 99% of all BRRRR investors, this type of refinance will not do. Remember the goal is to refinance as much as possible thus recouping your entire invested amount (basically equaling $0 into the deal). The second option is called the Cash-Out Refinance, or simply Cash-Out. This option allows investors to utilize the BRRRR method. However there is a big gaping hole as to how this actually cannot work, and I describe this in the video. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/58a18a5b-e3ef-475a-bea3-c73d908d6601/florida-private-lender-dscr-loans-brrrr-investing.jpeg Florida Real Estate Investors - B.R.R.R.R. Strategy - Florida DSCR Loans - Our BRRRR Strategy solution Blue Bay Capital has created a solution that is unlike anything out there today. We have figured out how to structure the loan in such a way it will be considered a Rate & Term Refinance (higher LTV and lower rate) YET the investor is still walking away with cash, and in most cases with more cash than if they went with a Cash-Out refinance in the first place! More so we have built-in protective measures so that even if you end up not qualifying for the full loan amount we can buy down your loan for you thus allowing you to qualify! It truly is a win-win solution! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/4582d2c3-8521-4e35-bc4b-38e91d3949ad/image-asset.jpeg Florida Real Estate Investors - B.R.R.R.R. Strategy - Florida DSCR Loans - Make more cash and pay less! In this section, I dive into what the numbers look like on your Blue Bay Capital BRRRR Loan refinance, and I show you exactly how we are able to make this happen. We work closely with our investors and conduct plenty of due diligence not only on the property but also on the scope of the project so that we are confident that you will be able to refinance into a long-term, fixed-rate DSCR loan through our partner 30 yr lender. How many of the big box national rehab lenders are not only willing but able to do this for their investors? None! That’s why using a local, Florida, private lender is the best option to go with when seeking your acquisition and construction loan for your BRRRR properties! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9d1d9112-1613-4d7a-a1f7-585a52ca1c6b/image-asset.jpeg Florida Real Estate Investors - B.R.R.R.R. Strategy - Florida DSCR Loans - Comparing refinance loans One of the things I cannot stand is how "lenders use marketing to get someone in the door and then they pull the rug out from underneath them. Don’t fall for that age-old trick. In this section, I adequately and accurately compare the two most commonly used refinance loan options against Blue Bay Capital’s BRRRR Strategy loan option. It’s easy and simple. After you watch this short but informative presentation you will be convinced that BBC can help you with your next BRRRR project. Reach out and contact us to get your next deal funded right. https://www.bbcfunding.com/real-estate-investors/active-vs-passive-lending monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/08680d06-e265-4812-89f1-d61dc91320f4/image-asset.png Florida Real Estate Investors - Active Vs Passive Note Investing - Active Private Lending Active Lenders go by many different names, some call themselves Brokers, others call themselves Hard Money lenders, and some even call them selves Private Lenders. At the end of the day they are running a business and whether they have the capital through internal means or them source the capital from other sources, it is a full time job, a career. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c0eeb8fc-9108-4016-ac51-91cd966b6498/image-asset.png Florida Real Estate Investors - Active Vs Passive Note Investing - Active Lending Responsibilities Being an Active Lender carry’s many responsibilities a few which are listed here. Active lenders can stay small and do a few deals a year, make a decent living and not have to build a full time business. However if they want to grow they have to put systems and processes in place to make sure they can scale and grow accordingly. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/294796a9-03e3-4453-9aea-d0ba65a3ea74/image-asset.png Florida Real Estate Investors - Active Vs Passive Note Investing - Passive Private Lending Being a Passive Lender tends to be called simply a passive investor. They utilize all the professionals the Active Lender has put together and leverage the Active Investors network. Normally a passive investors workload is minimal, if even at all. For those seeking monthly income without the headaches of running a business or dealing with tenants, this is the purest form there is. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/351452bf-bbcf-46a5-a509-472f898f7e41/image-asset.png Florida Real Estate Investors - Active Vs Passive Note Investing - Passive Lending Responsibilities As you can see the “responsibilities” of the passive investor tend to be guidelines and best practices rather than actual tasks. Their main focus is to have a network of active lenders to pick the deals they want to fund, sit back and collect mailbox money. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3f1ade0e-be44-4889-a42b-1fb07029ee62/image-asset.png Florida Real Estate Investors - Active Vs Passive Note Investing - Comparison Considerations Not everyone fits into the Active Lender role and not everyone fits into the Passive Lender/ Investor role. To find out how you may best fit within either of these roles as you invest in Notes otherwise called Loans, this section covers that and the primary metrics you will need to consider to decide if which type of lender you will be. https://www.bbcfunding.com/real-estate-investors/ensure-closing-on-time monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e88a1319-afe9-4197-a214-0786eeef557b/get-to-close-faster.jpg Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/12d44e1d-c56f-4728-92ed-70d84b493016/image-asset.jpeg Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8e53f5cd-4aa4-40a4-b800-0781e6601a2c/What-borrower-documents-does-a-lender-need-from-an-investor-to-close-in-5-days-or-less.jpg Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/41e32903-f532-4ee9-b006-3de65eaba38f/image-asset.jpeg Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8a155253-d037-406f-ab83-f020694cf0e2/image-asset.jpeg Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b3e8cee4-75c7-42ff-9857-8ed249f2be2d/common-cloud-storage-services.jpg Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5b5431f7-363f-4501-959a-42cc9793bb70/real-estate-investor-document-portal.png Florida Real Estate Investors - How to make sure my loan closes on time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.bbcfunding.com/real-estate-investors/is-brrrr-dead monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d7a67f6a-c0b8-46bf-8d45-cd3fe4e68b05/image-asset.png Florida Real Estate Investors - Is B.R.R.R.R. Dead? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/dc33acd2-98c6-4f51-b7f2-1388f07108b2/image-asset.png Florida Real Estate Investors - Is B.R.R.R.R. Dead? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8d0f9788-6ce2-403a-add6-5fede421e46d/image-asset.png Florida Real Estate Investors - Is B.R.R.R.R. Dead? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/49133fba-451a-4836-a291-0b67ca47a08d/image-asset.png Florida Real Estate Investors - Is B.R.R.R.R. Dead? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3794bc82-2b84-4680-a48c-315f2f0df558/image-asset.png Florida Real Estate Investors - Is B.R.R.R.R. Dead? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.bbcfunding.com/real-estate-investors/notes-vs-rentals monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5bd2f71e-09ea-454e-a1e9-1a6ec0925ebf/image-asset.jpeg Florida Real Estate Investors - Are Notes Better Than Rentals? - Benefits of real estate cashflow investors In relation to cash flow-seeking real estate investors, there are two methods, private lending and rental properties. The advantages and mindset of each role will depend on who is attracted to that investment type. Strictly investing in private lending is not for everyone, and strictly investing in rental property is not for everyone. Knowing what your financial goals are and how you want to accomplish will significantly help in determining which type of real estate cash flow investor you should be at this moment in your financial journey. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/39633678-27d1-492d-8283-7e038eeaf87d/image-asset.jpeg Florida Real Estate Investors - Are Notes Better Than Rentals? - Risks to real estate cashflow investors What is rarely talked about are the risks, from a purely factual standpoint. If you ever attend a seminar on how to be a private lender, or invest in notes, and how to own rental property, you will only be trained to think of all the benefits to that one particular investment philosophy as well that philosophy is the answer to all your investing needs. I do not believe that is helpful nor true. There are advantages and disadvantages along with unique risks with each one of these investment strategies. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/78d24022-2d2d-4644-841e-f40f90fc2f54/image-asset.jpeg Florida Real Estate Investors - Are Notes Better Than Rentals? - Borrower is slave to the lender At the end of the day, this saying is true, it’s biblical. During the next couple of slides, I will go over how this saying is true, and depending on which side you play on, you will benefit from. In this first slide, we have a lender with $150K and a borrower with $150K. The borrower wants to use leverage, ie the lender’s capital to help him buy this property. The As-Is value is $210K, so the borrower does not have enough, but he does have 30% to put down towards the loan. The lender is willing to give a $147K loan @8% annually, amortized over 15 yrs. The PI payment is $1,405 per month, the borrower will have to pay for taxes and insurance themself. The borrower has to put down $63K but still has $87K remaining. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d99f5f67-00d8-41ed-acc4-26f6d8890362/image-asset.jpeg Florida Real Estate Investors - Are Notes Better Than Rentals? - True costs to owning rental property What is rarely discussed though are the ongoing costs of rental property ownership. Unlike note investing, there are little to no ongoing costs, less the servicing cost of your loan, only if you hire a servicing company to handle that. On the rental property side though the borrower must make their payments for taxes and insurance. We are not counting repairs, owner-paid utilities, and maintenance costs that must be set aside to cover those emergencies. If the borrower has a tenant that is paying $2000 a month then after his payment to the lender and setting aside for taxes and insurance the borrower is left with a positive cashflow of $246 per month. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1615f317-cde2-4da3-8f0a-d19f058faea8/return-on-investment-rental-property-private-lending.jpeg Florida Real Estate Investors - Are Notes Better Than Rentals? - Return on investment for cashflow Lets look at the real costs as well a more realistic ROI. On an annual basis the private lender has made $11,569, which works out to be 7.87%. The reason its not a true 8% is because the principal is being paid off so the earned interest each month slowly decreases because the previous month there was not that much principal. In an interest only loan this would not happen, yet the principal also would remain the same. The borrower only earned 4.68% on their initial investment. If there was an emergency or unforeseen costs this could easily eat into their annual return nullifying it or even having the borrower operate at a loss. The BIG benefit is the borrowe ris building equity and now the equity is higher 1 yr later than when the borrower started. I did assume an appreciation based on historic national averages which measure at around 4%, though it could vary greatly based on the location of the asset. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e5f34cda-084d-48de-a029-d90735c39d64/tax-advantages-to-private-lending-real-estate-investor-florida.jpeg Florida Real Estate Investors - Are Notes Better Than Rentals? - Make it stand out What are the tax advantages to rental property ownership and private note investing? Well honestly, this is where rental property ownership shines. Owning rental property definitely provides more tax advantages, private lending … not so much. The one unchanging play in either role is the type of account where the investment comes from. If the invest (note or rental) uses a tax-advantaged account, such as a SDIRA or Solo 401K with a ROTH component, then the income generated from the cashflow could grow tax-free. Thats a discussion for a different day though. At the end of the day, consult with your CPA or Tax advisor to find the best way to invest yet reduce your tax liability. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5879d0d3-67dc-46ec-aca6-cf66f08afab7/image-asset.png Florida Real Estate Investors - Are Notes Better Than Rentals? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.bbcfunding.com/real-estate-investors/gap-funding monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/dc1ee996-41d6-4d7e-9579-14f13c2aba80/image-asset.jpeg Florida Real Estate Investors - GAP Funding - What is GAP Funding? We have a scenario. The borrower has a property that they will be buying, and they need a loan. So they find Lender A who has the funds to loan but they have some restrictions. The Purchase is $300K. The Lenders maximum Purchase loan-to-Value is 80%. This means the Borrower must bring 20% of the purchase price or $60K. The future value once fixed up will be $375K. The amount of renovation is only $35K and is basically cosmetic, so the expected time frame for the borrower is only 2-3 months. The problem? the borrower does not have the 20% nor the repair costs. What will they do? https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/08ff8f52-7952-4461-9b97-449da57c7591/image-asset.jpeg Florida Real Estate Investors - GAP Funding - Are GAP loans secured? I am obviously comparing a recorded 1st position loan with a GAP loan. While there are several significant variables here I’d like to point out the obvious. As a GAP lender, you will never be in 1st. The only way you would be in first is if the property were paid for in cash or refinanced, but that’s not a GAP loan it’s a 1st position loan. Whether a GAP loan is secured or not or has a lender’s title policy actually depends on the private lender requiring these. Just know that in 99% of all deals, if the borrower’s Lender A is aware they are getting a loan for the downpayment and closing costs they will not make the loan, so you would have to be unsecured. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b0d80aea-a9a3-4a55-8b38-1a1b4685da20/image-asset.jpeg Florida Real Estate Investors - GAP Funding - The Capital Stack and why it matters Let’s assume though that your loan is secured, and secured in 2nd position. What we have here is commonly referred to as the “Capital Stack” or the debt and equity structure of a deal. The 1st position lender is always the safest, assuming correct underwriting. Even though you have a 2nd position loan, it’s considered as ‘equity’ in the capital stack. Why? Because it is unsecured and the performance of this loan is dependent upon the exit of the 1st position lender. You also would have no recourse against the borrower if your GAP loan was unsecured. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f822fb32-a51e-41e6-ba69-3b57b343dd50/image-asset.jpeg Florida Real Estate Investors - GAP Funding - Position, Position, Position You may be getting tired of hearing me say the 1st position lender, but I cannot stress this enough. For seasoned and experienced lenders then this is something that you could consider, but only because you have the experience, knowledge, and know-how to mitigate your risks. New private lenders do not have this. It is always my strong recommendation not to participate in GAP loans until you have plenty of experience and you are completely aware of and ok with the risks. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d6be49e4-4d96-4bab-9041-9066faaa6794/image-asset.jpeg Florida Real Estate Investors - GAP Funding - Foreclosure overview and GAP risks exposed In the case of a foreclosure what happens? You will most definitely want to watch the video as there are several slides missing from this overview that provide a great in-depth look at the foreclosure process and how this affects a GAP loan. Just know this, whether you are secured or not, the results could be detrimental if the project ever goes wrong. And let me tell you from experience, someone who is requesting GAP funding, is typically not experienced, or they do not have the capital to handle the deal to begin with… what happens if the deal goes South? https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e3dc9707-541b-45ee-9579-d6b5b1bc9c2f/image-asset.jpeg Florida Real Estate Investors - GAP Funding - It boils down to security, are you secured? No matter the result, if a loan were to go South, and you had a GAP loan on the project, the likelihood that you will get wiped out is pretty high, with a best-case scenario of you collecting 100% of your capital almost non-existant. Be aware of what type of loans you're investing in, making and always look for ways to shift risks to the borrower and away from you. By virtue of what a GAP loan is, you as the “lender”, are assuming ALL the risk of this type of loan structure, while your borrower assumes no risks, but enjoys the reward. If all goes well then this works out, but if things don’t go well, the likelihood the borrower simply walks from the project is very high. Choose wisely. https://www.bbcfunding.com/real-estate-investors/note-investing-vs-origination monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/7583378d-7ac2-40f3-a5cd-ac869dfab39e/image-asset.jpeg Florida Real Estate Investors - Note Investing vs Origination - Marketing for your investment borrowers Marketing simply means how a lender finds potential loans. In other videos, I cover different ways a lender may identify and find borrowers, but in this scenario we will say the lender is a direct marketer, meaning they are “directly” responsible for finding potential loans. This may include attending RE Meetings, networking events, social media, and even conferences or trade shows. As a lender, you will come across many tire kickers, bad loans, and borrowers that don’t meet your qualifications. Rest assured you WILL go through MANY loan requests to find loans that fit your ‘box”. Eventually, you will find a solid borrower, with the right property, and the right project. This request from the borrower will turn into a loan application. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8c0ac154-52ab-46bc-b308-116a7c46582b/image-asset.jpeg Florida Real Estate Investors - Note Investing vs Origination - What does Processing a loan mean? At a high-level processing is all about gathering documents and vetting the basic information, knowing how to vet that information, and knowing what documents to request from which parties. Borrower documents, property documents, project documents, title documents, and insurance documents are the main types of documents a private lender should collect during processing. Knowing what those documents look like, and what information should be found in these documents is critical to a private lender knowing how to vet a borrower, property, and project. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ff8d465f-2d1c-4c4f-ad41-e7faeb423523/image-asset.jpeg Florida Real Estate Investors - Note Investing vs Origination - What does underwriting mean? Underwriting is normally the least complicated process, but it is the most critical. Once you know what documents you are supposed to be looking at underwriting is simply a verification and validation of those documents. You have the borrower’s documents, now does everything line up? Is the borrower who they say they are, do they have the experience they say they have? The property the borrower is putting up for collateral, does it exist? Do the property values hold up? Does the project make sense, is it feasible and is the borrower’s team (the contractors) capable? Once these questions among a myriad of additional questions are answered to your satisfaction, you are ready to close. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/59e2eb97-73b6-4bd8-85e4-53a630450b35/image-asset.jpeg Florida Real Estate Investors - Note Investing vs Origination - Getting paid back We now come to the end of the loan and the borrower makes their final principal and interest payment or they pay off the loan in full if it’s a balloon payment. This is called a “Reconveyance”, where the lender’s remaining principal is given back to the lender. This can happen primarily in two ways assuming the loan has performed the entire length or term of the loan. #1 through the sale of the property, #2 the borrower refinances the loan amount with a different lender. In any case, the lender receives all remaining principal back along with all unpaid interest, fees, and penalties. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d8f2bcaa-8791-4191-a32d-bef79d2f985c/image-asset.jpeg Florida Real Estate Investors - Note Investing vs Origination - Note Investing Pros and Cons As you can see to the left, there are several cons and pros to being a note investor. In the video, I describe what exactly makes you a note investor instead of a private lender. The primary difference is the borrower type. Namely in almost all cases when a note investor is seeking for notes to invest in they are going to find OO loans. This presents quite the issue in several states, as being a not investor (ie lender) on a loan to a person’s primary or secondary residences, requires licensure as well specific documents and disclosures based on Federal and State law. My recommendation… do not invest in OO notes. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/80b4ee1f-7c11-4607-ace7-b4e7ff065d09/why-should-i-invest-in-notes.jpeg Florida Real Estate Investors - Note Investing vs Origination - Private Lending Pros and Cons When a private lender invest from the origination or creation of a note they are at the very beginning, and they make the rules. This is so critical. Also, you can determine who your borrowers are and as I discussed earlier ensuring you are lending to NOO borrowers (real estate investors) completely puts you outside the oversight and regulatory oversight by federal and state governments. The grass is greener on this side of the lending fence, and I teach people how to play on this side. If you are ever interested in attending my complete academy-level course on private lending, shoot me an email and request to be put on my launch email lists for our next class date. https://www.bbcfunding.com/real-estate-investors/private-notes-how monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e0e28d78-f5fe-40e5-abff-2aef469c9969/image-asset.jpeg Florida Real Estate Investors - How to Invest in Private Notes - Individually Investing in Notes When an investor decides to invest in private notes secured to real estate that has to have the time to market and then process the loan requests. They have to have the time to underwrite each file. Then if the investor decides to fund the loan, and create a note they must have the time, every month to service the loan. Servicing includes more than collecting interest payments. This includes preparing 1099-INT’s, 1098-INT’s, and keeping meticulous accounting of the loan to ensure its performing. They must also have the knowledge and experience for each one of these stages of note investing to be successful. This can quickly turn into a full-time job, which causes many new note investors to shy away. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5a5b4df2-f2b6-4446-960e-60ec8588f17c/Slide4.jpeg Florida Real Estate Investors - How to Invest in Private Notes - Investing in Notes Through a Broker While investing through a broker may seem like a great solution to time commitments, it’s not always what it seems. Sure the broker will market for the deal, and process the loan request, but at the end of the day, a broker has none of their own capital to risk. They will push you to fund the loan/ buy the note because, at the end of the day, they are focused on one thing, closing the loan and getting paid. If the loan does not close they don’t get paid, and they can become quite ornery. As well, and I have seen this, the broker is NOT looking out for your interest either. If they bring a borrower, or property or project to you for funding, and you fund that loan request, after it closes, the broker is no longer involved, and they are legally protected if the loan goes bad. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/41a42823-698d-4dba-99ed-b9e7fc84ed11/image-asset.jpeg Florida Real Estate Investors - How to Invest in Private Notes - Investing in Notes Online Investing in notes online can be a great solution, however your are at the behest and mercy of the platform. Some platforms you may not even be able to ask the originator (sometimes a broker/ sometimes the note seller) how the note was processed and underwritten. More so you are dealing with large national companies. The likelihood that you will have a direct line to the owner of the company is rare if ever. In any case, you still must possess the knowledge and the time to be able to underwrite the loan before you invest, otherwise you could be making a bad investment. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/534ff669-e561-43ba-b102-02f010b2202a/image-asset.jpeg Florida Real Estate Investors - How to Invest in Private Notes - Investing in Notes Through Blue Bay Capital We specialize in providing turn-key private lending solutions. We literally handle everything for our note investors from A-to-Z. More important you have a direct line to me, Edwin Epperson, owner and manager of Blue Bay Capital. All our loans are short-term, interest only and are focused on making loans to professional real estate investors who have a proven track record. Since 2014 when I started this business I have only had 4 loans go into default. This is out of 100+. My track record speaks for itself. Also, the BIGGEST benefit for my capital investors is they are able to participate in the loan amount, they do NOT have to fully fund the loan. There are several blogs that address how and why this is done, and I welcome your questions and interest! https://www.bbcfunding.com/real-estate-investors/private-lending-basics monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/cf65f4f0-2ad1-45a6-9f23-814a033084a6/image-asset.jpeg Florida Real Estate Investors - Private Lending Basics - Key Players in a Private Loan I discuss how the different players throughout the lifespan of a loan work for you as the private lender and which ones work for the borrower. Hint, Its ABSOLUTELY imperative that the key players that work for you, and protect your interest are players that you have identified and that you hire. NEVER use the borrower’s recommendation for your key players. In the video I also discuss what documents each of these key players should be providing you as the lender. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f42c4952-467c-44cd-87e7-245e57a13c6b/how-to-market-for-investment-borrowers.jpeg Florida Real Estate Investors - Private Lending Basics - Marketing for investment property borrowers Saying “Hello” to potential borrowers is critical to growing a private lending business. There are two primary places to find borrowers, directly or through a network. Directly finding borrowers can consume time, energy and resources. You must attend networking events, online and in person, attend conferences and trade shows, and attend seminars. The other option is to plug into existing networks. The best source of existing networks would be brokers, as well-established RE Agents, and even title companies. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/07e6d0cf-c992-4d30-bf03-eb8c836cb751/image-asset.jpeg Florida Real Estate Investors - Private Lending Basics - Processing an investment loan As you enter the processing of a loan, once a valid loan request has been submitted, you should focus on “processing” the loan request. Processing simply means gathering documents and following up with the client. There should be three categories you should focus on, Borrower, Property and Project. Obviously, the project category is only important if your borrower is renovating or building a new property. These are general questions that you should be able to answer during your processing and this leads to your underwriting as well. In the video, I also cover extremely important documents that you should require from your borrower. So be sure to watch to get that full list. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/8a640877-f8f8-4653-aaae-d067a6f813c8/image-asset.jpeg Florida Real Estate Investors - Private Lending Basics - Underwriting an investment loan What is underwriting and how do you do this as a new private lender? In the video, I discuss the primary questions you should be asking and what the intended result from each of these questions is. At the end of the day, the goal of underwriting is to try and find a reason NOT to do the loan, then can that reason be mitigated? If not it is highly advisable not to make the loan. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d7b0e82e-d353-48c2-8d16-926865f2fb76/image-asset.jpeg Florida Real Estate Investors - Private Lending Basics - What happens during closing While closing may seem like the biggest challenge it is not for the lender. It’s actually the easiest step of making a loan. At this point, all you are doing is wiring in funds and making sure that all your loan documents have been properly executed. It is HIGHLY advised that you have a title company or even your own attorney handle the function of escrow. This way there is a check and balance to ensure all requirements for the loan being made are done correctly. What you DO NOT want have happen is the borrower receiving your money without properly executing the loan docs or not having your security instruments recorded in the county in which the property is located. https://www.bbcfunding.com/real-estate-investors/where-invest-notes monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c7ef2970-c920-4e53-8da6-6603bb0d1c93/image-asset.jpeg Florida Real Estate Investors - Where Should I Invest in Private Notes - What type of borrower will you lend to? Many times we think that when investing in the note that the most important aspect of lending is the asset right? The adage goes, if the borrower stops paying you get the property! Yet the TYPE of borrower will determine so much more that you may even be aware of, especially when it comes to the laws of the state the property is in, along with the federal laws. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/79fafb3d-c0c8-4ee9-8867-a47ded1f09e8/image-asset.jpeg Florida Real Estate Investors - Where Should I Invest in Private Notes - Know your rights and your borrowers. Think of your borrower as either a consumer of your product or a business. Just like in all other areas of law, government oversight and regulation concerning consumer interaction and business interaction is vastly different than when dealing strictly business to business. If you like to have nit-pick, granular oversight from some government entity, that tries to tell you what to do, and how you can do what you want to do, then by all means lend to a borrower who will live in the property. Otherwise, consider lending to an entity where the borrower is a professional investor. The grass is MUCH greener on the side of B2B lending compared to B2C lending. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/0da582a5-ccd2-4e32-9e10-c7bdd136c620/image-asset.jpeg Florida Real Estate Investors - Where Should I Invest in Private Notes - Location, Location, Location Many people have asked me, “So where can I lend?” I always respond with how comfortable are you with lending outside your control? I have several capital partners that only want to invest in loans right here in Tampa Bay. I have other investors who are comfortable lending all over the state of Florida, and yet I have others that invest in loans from all over the US. It’s important to know the laws in the state where you plan on investing, and follow the protocol and procedure for investing in those loans. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/043c8755-918b-4b26-b650-08d7c030b996/image-asset.jpeg Florida Real Estate Investors - Where Should I Invest in Private Notes - A note by any other name… Ahh yes, investing in existing notes or creating new notes. This is the paradox with the industry. By and large when someone says they are a “Note Investor” they typically buy existing notes, performing or non-performing at a discount. The greatest disadvantage to this type of note investing is that 99% of the time note holders who are advertising a note for sale have loaned to an owner-occupied, ie a consumer. It is my true belief that as a note investor you should drive to create or “originate” your own loans. This way you have control. i will go over the differences below. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/230a7ff9-de23-4a30-8dde-7de4269b9a1e/image-asset.jpeg Florida Real Estate Investors - Where Should I Invest in Private Notes - New versus used notes, your choice This part of investing can be very fractalized. These are general rules of thumb, but there are always exceptions. Remember, private lending, also called note investing, should be about one thing and one thing only, mitigating risks, meaning reducing your risks, and then shifting all risks to the borrower. At the end of the day when you invest in a note that is secured to someone’s dwelling, primary or secondary, you as the note creator/ originator immediately fall under the oversight of several government regulating bodies. I always recommend that note investors stay on the safe side of investing, which is short-term, 24 months or less, interest-only loans. Investing outside these parameters can open you up to a world of hurt. https://www.bbcfunding.com/real-estate-investors/when-invest-notes monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6d17ec67-4f0f-4f7d-8631-f75f9828728d/image-asset.jpeg Florida Real Estate Investors - When Should I Invest in Private Notes - How does the market affect your note investing? This is probably the greatest concern for private lenders. The “market” is often referred to as the housing market, and sometimes referred to as the economy. Of course, we can’t look past the government’s influence on the market, so I wanted to discuss how the government can affect when you decide to invest in notes. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1807ea32-9509-4104-a6ab-7a677de881eb/personal-goals-for-note-investing.jpg Florida Real Estate Investors - When Should I Invest in Private Notes - What are your goals for investing in notes? Your personal goals are really the ultimate answer to the “When should I invest in notes?” question. Whether you're looking to create wealth, or you are simply looking for cash flow to supplement your lifestyle. Whether you are looking for the ability to mitigate and control your risks, or you are simply wanting something that is secured to a hard tangible asset, investing in notes by way of private loans is an excellent path to accomplish your goals. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/de4a4111-0251-45ae-9916-7012110aa035/image-asset.jpeg Florida Real Estate Investors - When Should I Invest in Private Notes - Build wealth, create cashflow, live life At the end of the day, you should invest in notes when your focus is creating generational wealth. If that means teaching your family through practice and exercise making wise decisions on note investing, or whether generational wealth creation is philanthropic in nature, private note investing can provide a way for you to realize generational wealth creation. Of course, a great part of generational wealth creation is providing you and your family the ability to do what you want with whom you want when you want to do it. Thats the whole point of making wiser more informed decisions right? https://www.bbcfunding.com/real-estate-investors/why-invest-notes monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/3a0f713b-8b8d-4f60-a613-c3c46e9bb9f7/how-are-notes-secured.jpeg Florida Real Estate Investors - Why Should I Invest in Private Notes - Security of your note investing Why invest in private notes? Security thats why! When you invest in a note secured to real property, you take significant risk mitigation steps. Your investment cannot “vanish”. Understanding WHAT secures your capital though is critically important, it is paramount. Otherwise, you may think that you are “secured” simply because your borrower tells you that your money will be used for a project and because they signed a “note” to you promising to pay, yet in reality, you could actually have an unsecured note. Education is critical and this is what I strive for. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c1c8ceee-7ca3-4991-9aca-8248e8898a2a/image-asset.jpeg Florida Real Estate Investors - Why Should I Invest in Private Notes - The laws protects you, like a bank When you play on the side of the table that the big banks play, you play a game where the laws and the courts are predisposed to act and rule in your favor. This is why investing in notes secured to real estate is so powerful! The goal ultimately is security, NOT high returns. What’s even more powerful, when done correctly your secured private note is viewable on public record. It is the ultimate form of transparency. Here’s how you can look to see what loans Blue Bay Capital and my partner investors made in Hillsborough county FL. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/2a8ccf34-7db0-4254-8855-db0f47c2e506/image-asset.jpeg Florida Real Estate Investors - Why Should I Invest in Private Notes - Public record is the crème de la crème Having your Note secured to real property via a security instrument like a mortgage or deed of trust, lets everyone know who loaned the money, how much, who borrowed the money, and what the terms are. The mortgage also stipulates how repayment is supposed to happen, how periodic payments are to be made, and most importantly language that protects you, the lender in the case of default on behalf of the borrower. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/dd44093f-3a91-45d2-955e-9034e03d4a07/image-asset.jpeg Florida Real Estate Investors - Why Should I Invest in Private Notes - If cash is king, cashflow is the throne Why invest in private notes from origination? You get to make the rules! Thats right when you are party to the creation of the note you are able to determine how long the loan will be for, how often they make payments, if it is interest only or fully amortized, and if its a balloon note. The power of being a part of the note creation is extremely empowering and puts the control of your investments back in your hands. You have more control, no… ULTIMATE control over building, protecting, and preserving your family’s generational wealth! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/826fa874-75cf-44dc-9789-01d60935e92b/image-asset.jpeg Florida Real Estate Investors - Why Should I Invest in Private Notes - If you loose control, you loose everything When you are NOT involved in the not creation, also called origination, you give up control. Another lender takes that control from you. You must be skilled and versed in mortgage language, and you will have to trust that prior lender originated the notes according to federal and state laws. Or you will have to hire an attorney to review and critique each note you’re considering buying to ensure the prior lender met the law. This can be expensive and cost-prohibitive. This is why you should be involved from the very beginning. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d6db1328-6da6-43e0-830a-135f488ab948/image-asset.jpeg Florida Real Estate Investors - Why Should I Invest in Private Notes - Dividend stocks versus notes How does note investing differ from say… dividend-paying stock? Let’s take a look at a dividend-paying stock, that many people would say is a “blue chip” company, Apple. If you could invest in Apple stock, but through the lense of a lender, how different it looks! I mean, who would NOT invest in stocks if you could do this!? Unfortunately, this method does not exist, and in short, if you wish to have the security, dependability, and assurances of note investing, invest in notes secured to real estate! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5879d0d3-67dc-46ec-aca6-cf66f08afab7/image-asset.png Florida Real Estate Investors - Why Should I Invest in Private Notes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.bbcfunding.com/real-estate-investors/what-are-notes monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a98631a4-c993-4b23-a03b-74e0dedc6135/Slide3.jpeg Florida Real Estate Investors - What are Private Notes - What is a note? The definition of a note is quite simple. A note is a physical representation of your capital (the lenders) given to you by the borrower. The note tells all parties involved how much you are lending, what is the rate of return, when you should expect that note to be repaid, and the payment structure of the note. This is just like REAL money because its a legally binding document, enforceable in court that is a representation of the exact amount of money you loaned. Keep it secret, keep it safe. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/d8491c95-4cd9-470d-ba3f-4a74c7e59440/image-asset.jpeg Florida Real Estate Investors - What are Private Notes - Secured or unsecured thats the question. When an investor makes a loan, and they receive a note from the borrower, they may think that that note alone is all that is needed to “secure” their capital. I mean, the borrower did personally sign for the loan right? However, we need to understand that there are more nuances to lending than simply getting a piece of paper signed by the borrower. The greatest tragedy in lending is when a lender thinks that their loan is secured and in reality it is not. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9390b1d6-1f61-44cb-af62-67e56f70a24f/image-asset.jpeg Florida Real Estate Investors - What are Private Notes - Whats the worst that could happen? The worst that could happen is the borrower doesn’t pay correct? Well in the case of an “unsecured” loan that worse case can be much… worse. Primarily because if the loan is unsecured (think as if you just gave the money to the borrower and they went to Vegas to spend the money) then you must take the borrower to civil court. You will spend time and an obscene amount of money on attorneys and its likely you will never see your principal balance again. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e1b96ba1-c9ac-46ca-8551-e5eab1a75264/image-asset.jpeg Florida Real Estate Investors - What are Private Notes - Security helps you sleep at night. When your note is properly secured, via a Mortgage or Deed of Trust (I discuss the differences in another video) you have the courts in your favor and have basically backed your borrower into a corner. They can fight it in court, and you both will rack up litigation fees, however your properly secured note via the mortgage, is what guarantees that you will own the property should you foreclose! If you have underwritten your file properly (meaning mitigated and shifted all risks) then you ar in a great position. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/9ebd864f-e6ed-498f-8264-212c06d6120b/image-asset.jpeg Florida Real Estate Investors - What are Private Notes - Decision point active or passive investor? So really the question for you is do you want to be a passive note investor or an active note investor? Being an active note investor takes time, knowledge and experience. This also will put demands on you equivalent to another career. This is not for the part-time, or faint of heart. Passive note investors however gain all the benefits of note investing without the requirements to build a business. Which one would you rather participate in? https://www.bbcfunding.com/real-estate-investors/how-to-spot-a-fake-lender monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/fe63925d-7541-4b49-8997-189b35e38361/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Lenders Require Collateral Now not every lender does require collateral, but real estate lenders, who are loaning to real estate investors, do require collateral. By having a hard, tangible asset they are able to reduce their interest to a point where the RE Investor can make a decent return, and is able to leverage their existing cash, and the lender has security. If you speaking with a “lender” that says they don’t care about collateral, beware! https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b22da160-4a15-40d7-9af4-b20afcabf901/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Downpayment Required It’s nice to think that you could get 100% financed loans, but in reality, the type of lenders you want to work with are those that actually want to see that you are willing to “put your money where your mouth is”, in this case towards the purchase of the property. Many lenders require 10%, 15%, or 20% down on the purchase. They may or may not fund 100% of the construction. Typically that will be available depending on how much the total loan is compared to the future repaired value of the asset. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e2b8bf4d-cdc8-402c-bcd5-24d928f3632c/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Name of the Game “Risk” A real lender is concerned about one thing, “How do I mitigate my risks?” If your lender is not focused on this, then more than likely they are only a broker (since they are not lending their money) or they could be a fraud. A true private lender looks at these risks and more to determine if a loan is the right fit for their portfolio. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/df57215a-d7d9-4f96-a6e7-2614387c5225/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Local vs National If your “private lender” holds themself out to be a “national” lender just know this is not possible without a license. In the state of FL, there is no lic. required if the lender is lending from their entity to another entity, and the borrower will not live in the property. Know your state laws so that you can test whether a lender actually know what they are talking about. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/62687f73-6bf9-4f44-acef-306c55cdc92c/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Acceptable Fees We always hear and read how investors get scammed out of money by paying an “upfront” fee and then the “lender” never closes. With all things being equal, there are some fees that a private lender may charge that a national lender may not charge. Knowing who you’re working with is important to help you determine if the fees they are requesting before close make sense. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c613260b-acd6-42ee-b897-dad6ac111d7e/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Unacceptable Fees WYes there are some fees that are acceptable and should be paid for before closing, however, there are others. And these are the most commonly used name of the fee, that many investors find themselves falling prey to. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/736dc9b2-b522-4269-8720-3e16640f130a/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Lender Verification Being able to verify your lender (depending on whether they claim to be a national or just local, and then knowing your state laws for lending) on state or national databases is important. Here are a few ways that you can verify whether your “Private Lender” is someone to be trusted. Remember at the end of the day, if you are approached by a “PL” on social media and they claim to be a private individual looking to make a random person (you) a loan, more than likely they are a fraud. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/7552241e-43bc-481c-bf2a-2e0a2032b22a/image-asset.png Florida Real Estate Investors - How to Spot a Fake Lender - Lender List Sites In today’s modern technological world there are many ways for real estate investors to vet and verify even private lenders. Here are a few ways that you can verify if your lender is actually in the business of making loans. Why are these lists sites so valuable, because they charge the lender to be listed on their site. No scam artist is going to pay to have their name publically listed to then scam people out of money. https://www.bbcfunding.com/real-estate-investors/private-lending-risks monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/f5954645-7590-4713-8533-a4d1f4ae3ad9/image-asset.png Florida Real Estate Investors - Private Lending Risk Mitigation - Market Risks What if the property drops in value fast? As a private lender you should always keep low loan to values and ensure the borrower brings money to the table. Keep more of your loans short, less than 12 months maybe even 6 months. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ad7b8792-7239-4bc2-b1a9-9d6f0f953192/image-asset.jpeg Florida Real Estate Investors - Private Lending Risk Mitigation - Property Value Risks Always use w trusted 3rd party evaluator. Stay away from utilizing your borrower’s evaluator. Keep a list of appraisers that you trust on a call list. If unsure or if you see yellow flags, never lend more than you are comfortable with. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/76875a18-0ed0-4983-b5cd-4376dab5c20c/image-asset.jpeg Florida Real Estate Investors - Private Lending Risk Mitigation - Scam Risks Ask for past references of professionals your borrower has used. Always ensure that the professionals involved in helping you make a loan are licensed and insured. Know the laws of your state for making private loans. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/50884f6a-ba7d-4325-820e-35d2a7370b55/image-asset.jpeg Florida Real Estate Investors - Private Lending Risk Mitigation - Property Damage Risks As a private lender, you have the ability to ensure your borrower carries property insurance, and you are listed as the named Mortgagee or Loss Payee. Be sure to discuss your borrower’s insurance coverage with the insurance provider. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bce2bbc2-9828-4914-a95f-85578b9ae478/image-asset.jpeg Florida Real Estate Investors - Private Lending Risk Mitigation - Borrower Risks Ensure your lien is recorded in the public records office of the county your collateral property is located in. Again requiring “skin-in-the-game” from your borrower will prevent someone from walking away from a deal. When inexperienced as a private lender, only lend to experienced investors. As you gain more experience, you can expand your borrower base to inexperienced if you so choose. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/7ed84a63-eaf3-4f14-bd11-452d3c7e8df9/image-asset.jpeg Florida Real Estate Investors - Private Lending Risk Mitigation - Best Solutions Here is an overview of the best solutions to keep your loans as risk mitigated as possible. This is not a comprehensive list but it can help you build a high-level checklist as you create your private lending checklists. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b5386b45-fc33-407f-b198-2935b24971ea/Private-Lending-Risk-Mitigation-Risk.png Florida Real Estate Investors - Private Lending Risk Mitigation - Turn Key Private Lending One of the solutions that Blue Bay Capital offers our capital investors is our Turn-Key Private Lending solution. This allows capital investors, seeking passive income investments, the ability to partner with us as we create new loans. Our capital partners are able to leverage our knowledge, experience, and professionals in the industry while participating in a large loan with smaller investment amounts. https://www.bbcfunding.com/real-estate-investors/key-real-estate-investment-numbers-2022-6-6 monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/fdd9a4ce-5aac-4825-9f50-3b59c3edd4f4/image-asset.png Florida Real Estate Investors - Key Investment Numbers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/5748d0a7-8309-4893-9230-1674d29b5f85/image-asset.png Florida Real Estate Investors - Key Investment Numbers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/132cccf5-0397-4466-9360-45e40d997b2a/image-asset.png Florida Real Estate Investors - Key Investment Numbers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/e8b312ce-e2f1-43e4-aa53-11ba5a3f3c7a/LTC+Loan+Percentage+New+Construction+Rehab+Loans+Florida+Lenders.png Florida Real Estate Investors - Key Investment Numbers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.bbcfunding.com/real-estate-investors/transactional-funding-2022-5-26-ycpm7 monthly 0.5 2025-03-27 https://www.bbcfunding.com/real-estate-investors/5ws-of-private-lending monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/a7f9ca13-0f08-425e-9c7c-bc9d64f5aef5/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - Where do the wealthy invest? We see it in every town, city and country, real estate. Some investors build their wealth only on real estate, and others use real estate to preserve their wealth. However, you decide to approach your wealth building and preservation at the end of the day it comes down to protecting your wealth. I believe that lending offers the premier investment vehicle to do so. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/6fd04f7d-b0fe-4c52-a211-c240aaa01d71/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - Who can invest in private notes? The question of WHO can invest in private loans has long eluded many qualified investors. Most people think you must come from wealth or have extremely deep pockets. Traditionally speaking this is true. I mean, if the average loan is $250 - $300K and you have a million to invest that’s only 3 to 4 “assets” (assets being the promissory note secured to the real estate). But this is not necessarily true, and I explain why in the video. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/c5468621-54b0-4eda-a13c-6462204fac84/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - How to invest like a banker does To invest in private notes secured to real estate (ie private loans) every potential investor must change their mindset in how they would like to go about doing this. Primarily they must have a paradigm shift… to that of a “bank”. The way that banks make loans, offers many educational points but these three are the ideas, and approaches that any investor can use to build, protect and preserve their family’s generational wealth. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1909a78f-25de-40be-a1f6-ca63231f8d8f/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - When is the right time to invest in notes? The market and economy are always hot topics for real estate investors. Is the market going up or down? Some investors are not sure if investing early in their career or later in their career is the best time. For others, it’s a matter of private lending for growth-focused investors or cash-flow-focused investors. No matter WHEN you find yourself interested in investing in private loans, I believe that Blue Bay Capital’s Turn-Key Private Lending solution can provide you with answers as well as confidence in becoming a capital partner. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1b7a3bd0-0715-49ab-9b68-3750e1f748a5/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - Where should I invest in private notes? This may actually be one of the more confusing and concerning obstacles for newer private lenders and note investors. I discuss why no matter where you are wanting to park your capital in private loans, it can make sense for you. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/b2af699d-9937-4feb-964d-de01454982b8/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - Your why will fuel your how As Simon Senik has made famous, knowing your WHY is the MOST important topic for anything you are pursuing. I discuss some of the most important aspects of private lending and note investing and why, adding note investing through Blue Bay Capital’s Turn-Key Private Lending solution, will make perfect “cents” for you and your investment strategy. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ab43b4a5-5093-4cec-b710-ce3893aa32d4/risks-of-buying-notes.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - Reduce risk in your investments All investments have risks, and private lending is not insulated from risks. However, we have a powerful tool that no other investment strategy allows and that’s risk mitigation. The ability to cover your downside, and shift all remaining risks to the borrower. The ability for you to MAKE your investments as safe as possible cannot be found in any other investment method. I discuss what private lending is so powerful and how my Turn-Key Private Lending Solution can facilitate your note investing strategy. https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ab1bbe8f-b98f-42d5-802b-917b39f768d0/image-asset.jpeg Florida Real Estate Investors - 5W’s of Private Lending and How - Private lending education I have heard it said that the how will come you need to make it “attractive” for people to want to learn. Yet I have found time and time again that at the end of the day, investors who truly want to diversify and invest in alternative investments want to know HOW they can do this. While the video briefly covers the how an investor can become a private lender I am working on a 30-hour course that will actually teach any capital investor how to make private loans, secured to real estate. If you are interested din this course please shoot me an email and I’ll be sure to add you to my initial release class when it launches. https://www.bbcfunding.com/real-estate-investors/how-much-is-enough-for-fix-and-flip monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601908238265-K2EOC28WG6ER9SL5IGO2/fix-and-flip-costs-real-estate-investing.png Florida Real Estate Investors - How much is enough for Fix &amp; Flip? https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601910558005-SQW53X1X8PVES99VOLL8/affordable-housing-florida.JPG Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Affordable Housing As-Is = $100,000 ARV = $175,000 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601910595818-XU3WR94F9TOS7T0GLGKO/median-housing-florida.jpeg Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Median Housing As-Is = $150,000 ARV = $250,000 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601910648178-U6TW22SQP2MYS8ZVOJM0/executive-housing-florida.jpg Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Executive Housing As-Is = $275,000 ARV = $499,000 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601910624644-WT07SBESH44SVDT5OE2D/image-asset.jpeg Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Luxury Housing As-Is = $500,000 ARV = $825,000 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601912318871-HGBZR5FBQ9SLHQRR8LFS/affordable-housing-florida.JPG Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Affordable Housing As-Is = $100,000 Total purchase = $108,000 Lipstick = $20,000 Sell price $148,999 Net Profit $10,999 = 8.5% Hold time = 3 months https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601912958875-QYAL7MOP0LA0VYA43N9C/affordable-housing-florida.JPG Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Affordable Housing As-Is = $100,000 Total purchase = $86,700 Renovation = $50,000 Sell price $175,999 Net Profit $28,739 = 21% Hold time = 5 months https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601914367119-PRDBSIKCZKLYA7C0SF2B/tampa-florida-real-estate-investing.jpg Florida Real Estate Investors - How much is enough for Fix &amp; Flip? Affordable Housing As-Is = $100,000 Total purchase = $86,700 Renovation = $50,000 Leverage = $115,000 Cash to do the deal = $30,900 Sell price $175,999 Net Profit $19,539 = 62.23% Hold time = 5 months https://www.bbcfunding.com/real-estate-investors/how-much-is-enough-for-wholesaling monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1601306896269-U23OY2HSOEVYM18CXCUJ/florida-real-estate-investing.png Florida Real Estate Investors - How much is enough for Wholesaling? https://www.bbcfunding.com/real-estate-investors/blog-post-title-one-b3lrw monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1600349074530-NM4J59KP9GKTI0090AL3/how-to-get-started-in-real-estate-investing.png Florida Real Estate Investors - First Steps to Real Estate Investing Success? https://www.bbcfunding.com/real-estate-investors/category/Fix+and+Flip+Loans monthly 0.5 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https://www.bbcfunding.com/real-estate-investors/tag/Florida+HML monthly 0.5 https://www.bbcfunding.com/real-estate-investors/tag/Lakeland monthly 0.5 https://www.bbcfunding.com/real-estate-investors/tag/Orlando monthly 0.5 https://www.bbcfunding.com/real-estate-investors/tag/Florida+Note+Investing monthly 0.5 https://www.bbcfunding.com/real-estate-investors/tag/Hard+Money+Lenders+in+Florida monthly 0.5 https://www.bbcfunding.com/real-estate-investors/tag/BRRRR+Strategy monthly 0.5 https://www.bbcfunding.com/loan-program-no-credit daily 0.75 2025-12-08 https://www.bbcfunding.com/loan-program-no-credit/fix-and-flip monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/ad00aec0-99dd-4df4-9419-119189dd2e04/Loan+Program+-+Fix+%26+Flip+Social+Image.jpg NO CREDIT LOAN PROGRAMS - Fix &amp; Flip Loan Our flagship loan program, No-Credit Fix & Flip, provides a solution for many fix and flippers. Whether the investors credit score is not the best, or they are saving their credit score for rentals, this loan program offers many solutions for the active real estate investor. Below are some highlights of our Fix & Flip loan program: https://www.bbcfunding.com/loan-program-no-credit/new-construction monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1752530013120-XJ427CX0T5P7CK9KMI3V/Loan+Program+-+New+Construction+Social+Image.jpg NO CREDIT LOAN PROGRAMS - New Construction Loan New Construction investors are looking for streamlined ways to reach the experience level they need to qualify for bank financing. We help inexperienced new builders build the portfolio needed to qualify for the best loan products from banks without taking a hit to their credit. Below are some highlights of our New Construction loan program: https://www.bbcfunding.com/loan-program-no-credit/bridge monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1752529631497-5HGT7YY7TQP5WSVR87K2/Loan+Program+-+Bridge+Social+Image.jpg NO CREDIT LOAN PROGRAMS - Bridge Loan Bridge loans offered by Blue Bay Capital are the perfect fit for an investor who is looking for a way to "bridge" the time they need to either sell the property or, more ideally, to refinance into a DSCR loan. Our no-credit-check bridge loans mean the investors will be the highest possible for their refinance. Below are some highlights of our Bridge loan program: https://www.bbcfunding.com/loan-program-no-credit/transactional-funding monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1752529376254-ADMBKGGCUE469K1FDLIU/Loan+Program+-+Transactrional+Funding+Social+Image.jpg NO CREDIT LOAN PROGRAMS - Transactional Funding Transactional Funding is ideal for wholesalers who have a purchase agreement from the seller and who already have a sell agreement with the end buyer. Our TF loan program allows the wholesaler to keep their profit margins discreet from the seller and the buyer, thus ensuring their closing doesn't fall out. Below are some highlights of our Transactional Funding loan program: https://www.bbcfunding.com/loan-program-no-credit/re-flip monthly 0.5 2025-12-08 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/be2bab65-1333-4ed0-ac29-bbe252e7eec2/Loan+Program+-+RE+Flip+Social+Image.jpg NO CREDIT LOAN PROGRAMS - RE Flip Loan Our RE Flip loan program, is ideally suited for those investors who have a “wholetail” deal they are buying. If you are purchasing a property well below the As-Is Value, you will be cleaning it out/ conducting a demo to then sell to a Fix and Flipper, then this loan product is for you! Below are some highlights of our Land Flip loan program: https://www.bbcfunding.com/loan-program-no-credit/land-flip monthly 0.5 2025-12-08 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1752528916568-NWQLR796U03LQ63LA7LN/Loan+Program+-+Land+Flip+Social+Image.jpg NO CREDIT LOAN PROGRAMS - Land Flip Loan Our Land Flip loan program, is ideally suited for those investors who have gotten raw land (infil lot, recreational, or raw) under contract, directly with the seller, and plan on marketing the lot to the general public. Typically purchase for pennies on the dollar, this loan program is ideal for the savvy flipper. Below are some highlights of our Land Flip loan program: https://www.bbcfunding.com/invest-with-bbc daily 0.75 2025-07-24 https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/da959840-89e6-402d-b565-e61b32143e3c/what-are-private-notes-secured-to-real-estate.jpg https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/644962b7-2235-4d29-93fa-8096235f7a3e/why-invest-in-private-notes-secured-to-florida-real-estate.jpg https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/bd9998fa-329f-4490-a984-875c8a909426/when-to-invest-in-private-notes-secured-to-florida-real-estate.jpg https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/81ada7b0-f761-475b-a95c-b6bc1bda99eb/where-to-invest-in-florida-real-estate-notes.jpg https://images.squarespace-cdn.com/content/v1/5f5ce01e7a64f425925369ff/1ba307ae-24e6-4158-ab42-9139900e7081/How-to-invest-in-notes-secured-to-real-estate-in-florida.jpg 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