Got on a call today with an acquisitions company doing real volume across several markets. The founder is genuinely creative — seller performance credits (gave one seller a $280K credit) and buying in trust, all to get sellers to waive EMD and POF entirely. When it works, he never needs a funder. But when a seller insists on EMD, he needs one — and that's where it stalled. He wants the EMD funded but doesn't want to pay the upfront fee. His words: "no upfront, but I'll pay you gorgeously on the back end." I held the line — the upfront is what protects us on the deals that don't close. 👉 For the experienced folks: has anyone found a structure that actually works with a bigger buyer who resists the upfront and dangles a fat back-end? Or do you just hold the line and let them walk?

— want to make sure I've got this right. I've heard Paul talk about using seller financing instead of a 2nd-position PML on flips, and that it comes out cheaper. So on a flip where hard money/bridge covers ~90% of purchase + 100% of rehab, is the play to have the seller carry the remaining ~10% in 2nd position rather than the buyer taking a separate (expensive) 2nd-position private money loan? Is "cheaper" basically because a 2nd PML runs high rate + points, while a seller carryback can be deferred/interest-only? Two mechanics I want to nail down: 1. Does the transactional funder still front that gap at closing (repaid from the carryback), or does the seller carry replace the need for gap funding entirely? 2.On a flip (short hold, then sell), how does the seller carryback get paid off at resale — and does the short timeline change anything vs. a buy-and-hold Stack? Trying to explain this correctly to the fix/flip investors I'm talking to. Thanks!

Which of these is the best description of you right now in your journey. Don't use your best or worst day, but how you feel in general this past week.

(updated) As part of the update we moved from two to three tiers. Here is what that means in plain ... Utah English. 🥉 Standard — Free (see Note below) Access to the Start Here block. This is your orientation. Get set up, learn how the community works, and see what we are all about. ⛔ Note: Members are allowed to stay in this tier for 10 days, at that point if they have chosen to not progress forward, their membership will expire. We are here to take action and move forward. We understand some come to look and see, so we need to keep the community clean from those inactive accounts. This is effective as of July 1st. 🥈 Premium — $17/month Everything in Standard, plus the full education. That is the 🤔 Know the Game, 🚦Go Get Deals, and 📚 The Library. This is where you learn transactional funding and how to go find and fund deals. 🥇 VIP — $97/month Everything in Premium, plus the tools that build this as a business. The 🏗️ Deal Machine, your own branded white label site (transactional + primary) with the automated nurturing campaign, ⚡ Run It Up with the full Morby & Echo education plus playbooks, and 🔁 The Replays with every recorded live call. One quick note on the names 📝 Standard, Premium, and VIP are the tier names Skool gives us, and we cannot change them. We are keeping the names Skool uses so everything stays consistent, but we know the shift can feel a little confusing at first. That is exactly why this post is here. What this means for you 👇 If you were a Standard member, you stay right where you are, free. Your access is limited to the Start Here block until you upgrade to either Premium or VIP, and then the rest opens up. If you were a Premium member, you have already been moved to VIP to line up with the new structure. You keep the Deal Machine and everything you already had, and you do not need to do a thing. And here is the promise we keep for everyone. Whatever price you are at, that is your price for as long as you renew. Lock in a rate and it stays yours. 🔒

I've got an investor with a paid-off 9-plex (commercial-zoned), fully rented, ~$5,400/mo gross, 750+ credit, historical rents available. He wants to pull out ~$300K (cash-out refi / DSCR). The snag: he's trying to avoid a full interior appraisal — the building's fully rented so tenant coordination is a headache, plus the ~$2K cost. Two questions: 1. At ~$300K on a commercial-zoned small MF, is a full appraisal always required, or will some lenders accept a desktop / AVM / exterior-only valuation? 2. Anyone have a DSCR or bridge lender that's flexible on valuation for this profile? 3. Appreciate any lender names or pointers. 🙏