Four strategies every serious investor should understand. Use the right one for the right deal — and stop leaving money on the table because you didn't know it existed.
Most investors only know one or two of these. Learn all four and you'll have an answer for every deal type.
Asset-based lending from private companies. They care about the deal — the ARV and equity — not your W-2. Close fast. Perfect for fix-and-flip and wholesale assignments with quick timelines.
Buy. Rehab. Rent. Refinance. Repeat. Use hard money to buy and renovate, then refinance into a long-term conventional loan after the property is stabilized. Pull most — or all — of your capital back out.
The seller acts as the bank. You negotiate terms directly with the owner — no bank qualification required. Best for motivated sellers who own the property free and clear or have significant equity.
Stack multiple business credit cards with 0% intro APR offers. With good credit, you can stack $50–150k in unsecured capital in a single funding round. Use it for rehabs, earnest money, or operating expenses.
Most deals use more than one strategy. Here's how a typical BRRRR + 0% credit play looks from start to finish.
Source off-market via DealMachine, driving for dollars, or direct mail. Run the 70% ARV rule before you make an offer.
Use hard money for the purchase. Pull 0% business cards for rehab materials and labor to lower your all-in cost.
Execute the renovation, get a tenant in place at market rent. Stabilized cash flow is what your refi lender wants to see.
Cash-out refinance at the new ARV. Pay off hard money and the 0% cards. Redeploy recovered capital into the next deal.
Don't pick your strategy until you know your numbers. The 4-in-1 Calculator runs Fix & Flip, Wholesale, Rental, and BRRRR analysis in one place.
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