Dr. Toby PotterCEO and Founder, The Unshakable Investor · Real Estate Investor Success Coach

100% Financed Real Estate Deals: Unlock Your Potential

Name: 100% Financed Real Estate Deals: Unlock Your Potential
Uploaded: 2025-06-04T10:25:31+00:00
Duration: 32 s
Channel: Dr. Toby Potter
Description: The speaker outlines a distinctive financing program for experienced real‑estate borrowers. To qualify, borrowers must have completed at least four…

4 Jun 2025 · 1 min

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The speaker outlines a distinctive financing program for experienced real‑estate borrowers. To qualify, borrowers must have completed at least four projects in the past five years and maintain a credit score of around 680. The lender provides "full stack" financing with a primary loan capped at 90% loan‑to‑cost (LTC); the borrower typically contributes the remaining 10% at closing. In qualifying deals, the lender can also extend a second‑lien loan that covers the down‑payment portion, effectively allowing the entire transaction to be 100% financed. This approach differentiates the lender from competitors that only review two‑to‑three years of borrower history.

Chapters

Yeah, so for experienced borrowers who have 4 or more completed projects in the past 5 years, that's another way we're unique. Most lenders only look back 2 to 3, right? We look back 5 and a 680 credit score. We offer what we call full stack financing where, you know, our loans are capped at 90% LTC. If so, the borrower can bring their 10% contribution to closing, or if they meet that criteria and the deal meets certain criteria, we can offer a second lien position loan to help cover the down payment. Uh, so with the second lien, it ends up in a lot of situations us covering 100% of the deal.