Welcome back to Unlocking Real Estate! I’m your host, RJ Hernandez, and today, we’re talking about everyone’s favorite F-word: Financing. In a world where interest rates are on a rollercoaster, and banks are pickier than ever, how do you actually fund your deals in 2025? We’ll explore traditional options, creative workarounds, and real stories from the frontlines.SEGMENT 1: THE LAY OF THE LAND Let’s start with the basics:· Conventional mortgages: down payment, credit requirements, DTI ratios· Portfolio and commercial loans: how they’re underwritten· Bridge loans and hard money—fast but costlySEGMENT 2: CREATIVE FINANCING STRATEGIES When banks say no, investors get creative.· Seller financing and subject-to deals· Lease options, wraps, and contract for deed· Partnerships and syndications: split the risk, split the reward· Crowdfunding: is it hype or a true alternative?SEGMENT 3: THE 2025 LENDING ENVIRONMENT It’s not 2019 anymore! In 2025:· Underwriting is tighter, documentation is heavier· Rates are volatile—should you float or lock?· Banks favor low-risk, high-equity projectsSEGMENT 4: PROTECTING YOUR DEAL Tips for weathering funding storms:· Always have a Plan B for financing· Use escalation clauses for interest rates· Get clear on your exit strategy before you sign· The real cost of private and hard money—run the numbers twiceFinancing can make or break your next deal, but it doesn’t have to be a black box. If you want the show notes or example deal calculators, visit our website and sign up for our newsletter.Next episode, we’ll flip the script—literally—and talk flips: the good, the bad, and the ugly. See you next time on Unlocking Real Estate.

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