Loan amount
$65,000
Loan type
Purchase
{Fix&Rent}
After Repair Value
$135,000
{PP:$45,000}
ARV
48%
{ARV}
Property type
Single Family
Borrower Details
Credit score
500
Deal experience
3 deals
This loan scenario was submitted by a Broker
No
Property Details
City
Athens
State
Texas
Loan Details
Purchase price
$45,000
Down payment
$5,000
Cost of improvements
$25,000
Estimated property value after repairs
$135,000
Additional Loan Information
Project Overview & Borrower Profile
Investment Strategy & Exit Plan:
I am seeking a short-term Fix-and-Rent (BRRRR strategy) bridge loan to acquire and rehabilitate a distressed single-family residential property located in my immediate neighborhood.
Current Status: Sourcing / Direct-to-Seller Outreach (currently negotiating with the owner of an off-market, long-term vacant property).
Estimated Purchase Price: $40,000 – $45,000
Estimated Rehab Budget: $25,000
Total Cost Basis: ~$65,000 – $70,000
Current Appraised / Tax Assessed Value: $90,000 – $95,000
After Repair Value (ARV): $135,000
Exit Strategy: Upon completion of the renovation, I will lease the home to a qualified tenant and execute a long-term DSCR/cash-out refinance based on the $135,000 ARV. The refinance proceeds will pay off the initial hard money loan in full, recover my capital, and generate excess equity to reinvest into my next acquisition.
Borrower Background & Construction Capability:
I am a licensed General Contractor, a licensed Electrician by trade, and an active Real Estate Investor with lifelong, hands-on experience across all facets of construction, remodeling, and new residential builds.
Hands-on Contracting Expertise: As a General Contractor and Master Electrician, I execute and oversee my own rehab projects directly. This eliminates third-party contractor markups, protects the project against labor delays, and keeps construction costs significantly lower than typical investor budgets.
Real Estate & Wholesaling Track Record: I am actively involved in local real estate transactions, having successfully completed multiple wholesale assignments, and I am currently scaling a pipeline that includes upcoming new construction builds and additional wholesale/fix-and-flip contracts.
Additional Borrower Context & Advantage:
As an active General Contractor and licensed electrician, my core competitive advantage is executing high-margin rehabilitations at cost. By managing construction directly, I protect project timelines, eliminate contractor markups, and maintain strict control over budget reserves. My primary focus is deploying my trade expertise into building long-term equity and recurring rental cash flow through local BRRRR acquisitions.
Summary:
This project presents low leverage risk for the lender with a conservative Loan-to-Value (LTV) well under 55% of the projected $135k ARV. Combining deep direct-to-seller equity with my internal general contracting capabilities guarantees a swift execution, high margins, and a reliable exit via long-term DSCR refinance.
Investment Strategy & Exit Plan:
I am seeking a short-term Fix-and-Rent (BRRRR strategy) bridge loan to acquire and rehabilitate a distressed single-family residential property located in my immediate neighborhood.
Current Status: Sourcing / Direct-to-Seller Outreach (currently negotiating with the owner of an off-market, long-term vacant property).
Estimated Purchase Price: $40,000 – $45,000
Estimated Rehab Budget: $25,000
Total Cost Basis: ~$65,000 – $70,000
Current Appraised / Tax Assessed Value: $90,000 – $95,000
After Repair Value (ARV): $135,000
Exit Strategy: Upon completion of the renovation, I will lease the home to a qualified tenant and execute a long-term DSCR/cash-out refinance based on the $135,000 ARV. The refinance proceeds will pay off the initial hard money loan in full, recover my capital, and generate excess equity to reinvest into my next acquisition.
Borrower Background & Construction Capability:
I am a licensed General Contractor, a licensed Electrician by trade, and an active Real Estate Investor with lifelong, hands-on experience across all facets of construction, remodeling, and new residential builds.
Hands-on Contracting Expertise: As a General Contractor and Master Electrician, I execute and oversee my own rehab projects directly. This eliminates third-party contractor markups, protects the project against labor delays, and keeps construction costs significantly lower than typical investor budgets.
Real Estate & Wholesaling Track Record: I am actively involved in local real estate transactions, having successfully completed multiple wholesale assignments, and I am currently scaling a pipeline that includes upcoming new construction builds and additional wholesale/fix-and-flip contracts.
Additional Borrower Context & Advantage:
As an active General Contractor and licensed electrician, my core competitive advantage is executing high-margin rehabilitations at cost. By managing construction directly, I protect project timelines, eliminate contractor markups, and maintain strict control over budget reserves. My primary focus is deploying my trade expertise into building long-term equity and recurring rental cash flow through local BRRRR acquisitions.
Summary:
This project presents low leverage risk for the lender with a conservative Loan-to-Value (LTV) well under 55% of the projected $135k ARV. Combining deep direct-to-seller equity with my internal general contracting capabilities guarantees a swift execution, high margins, and a reliable exit via long-term DSCR refinance.
Status
Open
Created
July 30, 2026 - 8:42am
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