Hey everyone, I’m Ray. I’m primarily focused on being a connector, I got involved in funding because I kept seeing investors find good deals and then struggle with the money side of getting them closed. I’ve built up quite a few funding options — fix & flip, DSCR, bridge, construction, ground-up, gap funding, business funding, lines of credit, and equipment financing. I’d rather network, help where I can, and make some good connections. If someone here is looking for funding and I have an option that fits, I’ll point them in the right direction. Looking forward to connecting with everyone and getting some deals done. Text 702-208-4224

Hello Everyone, I hope everyone is having a good weekend so far. I am looking for any advice about dealing w/ realtors to find good wholesale deals. I am in the Jacksonville, FL market and am meeting w/ a realtor and her team on Tuesday. I want to try to get the right information across for wholesale deals. Has anyone had success in dealing w/ realtors? What info did you give your realtor(s), outside of buy box, that allowed them to be successful w/ putting good deals in front of you?

Before I lend on a property in any state, I look up how foreclosure works there. It varies a lot, and it changes how risky a loan really is. I'm not an attorney, so check with one where you lend. Here's what I look at: 1. Judicial or non-judicial? In some states a lender has to go through the courts. In others it can follow a process set out in the loan documents. That changes how long it takes and what it costs. 2. How long does it typically take? Not the best case. A realistic one, including a borrower who fights it. 3. Can the borrower still redeem? Some states let a borrower reclaim the property for a period after the sale. Others cut that off at a set point. 4. Can a lender go after the borrower for a shortfall? Some states allow it, some limit it, some have time limits. Never count on it. 5. Are there rules about the property type or the borrower? For example, owner-occupied versus investment properties. 6. What does the state say about interest rates and who can lend? Some states cap rates or require licensing, even for private lending. 7. Which paperwork does your state use? Some states use a mortgage and others use a deed of trust, and a document built for one may not work in the other. Never assume a template fits. Have a local attorney confirm. A good local real estate attorney can answer all of this in one conversation. That's worth doing before the first dollar goes out, not after a problem. Disclosure: I lend on some of April's projects and work with her through my business. This is general information, not legal advice. What's one thing about your state's rules that surprised you? Have you ever lent on a deal, or thought about it?