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  • Cesar Tamayo

Which comes first? The Deal or the Money?

One of the most commonly asked questions I get from investors who are starting out is, “What do I need to do first? Find a deal or secure funding?”

This is a great question and one that makes complete sense. After all, what if you find a good deal but don’t have the money to fund it? On the other hand, what good is having access to funds if you don’t have a good deal to buy?

Side note: if you are reading this because you have a deal you need financing for right now, call with me at 484-706-9601 or visit!

As a lender, my answer is always the same: Find a good deal and the money will come.

If you’ve done your due diligence and can show you can make a good profit or refi with good equity, you’ll find a lender who will fund that deal.

For example, let’s say you have a property under contract in a decent area for $70,000 and it needs $30,000 in rehab. You’ve looked at the comps in the area and can conservatively estimate the ARV to be $200,000. At that value you’re likely to find a lender who will lend $100,000 on a property that’s worth $200,000 - even if you don’t have anyone lined up!

Now with that said, you should always be on the lookout for lenders to start building relationships with them. Many private lenders will lend based on existing relationships. In my case, that’s a huge factor. If I have an existing relationship with someone who needs funds, I’m able to be more flexible on terms

So my take is: Focus on finding that deal. And while you’re doing that, start looking for private and hard money lenders to start building relationships with and fund your deal when the time comes!

If you still have questions about funding your deal, reach out to us at 484-706-9601 or visit to learn more.

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