09/09/2026
Same deal. Same numbers. Different loan structure. Completely different profit.
Most investors pick a financing scenario and run with it. That one decision can cost you $40K+ in interest over the life of a deal.
Here's why comparing financing scenarios matters →
Purchase: $220K
Rehab: $35K
ARV: $340K
Hold time: 7 months
Scenario A — Conventional 20% down, 7.2% rate:
→ Cash to close: $51K
→ Interest paid: $11,200
→ Net profit: $73K
Scenario B — Hard money, 12% rate, refi at 6 months:
→ Cash to close: $33K
→ Interest paid: $19,800
→ Net profit: $61K (but refi into 30-year at 6.8% keeps $520/mo cash flow)
Scenario C — Portfolio loan, 15% down, 8.1% rate:
→ Cash to close: $39K
→ Interest paid: $14,100
→ Net profit: $69K
The cheapest option upfront isn't always the best long-term. The highest rate isn't always the worst if it unlocks cash flow.
Run 3-5 scenarios before you commit capital. It takes minutes with the right tool.
Try it free at flipholdpro.com