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Why 100% Funded Deals Are Risky w/ Private Lender Jeff Cichocki
Description
A private lender who's closed 2,000+ deals explains why 100% funded deals are the riskiest move.
Jeff Cichocki has closed over 2,000 real estate deals as a private lender and coach, and he's spent years watching guru culture push investors toward 100% funded, no money down deals. In this episode, he explains why that's backwards, why having skin in the game is what actually builds trust with a lender, and how a lack of it is quietly draining private lenders across the country right now.
Jeff also walks through a real cost comparison between hard money and private capital, breaks down a creative deal structure that erased a $32,000 lien without paying it off, and flags the mortgage fraud red flag most investors don't realize they're committing. He closes with the reading and productivity habits, including his one-two-three method, that keep his team focused.
Key topics:
- Why private lenders are losing money right now, and what's driving it
- The real cost comparison between hard money and private capital
- Why sub-2, seller finance, and lease options aren't "creative finance"
- The mortgage fraud red flag most investors don't see coming
- The one-two-three method for staying focused and getting more done
Guest bio:
Jeff Cichocki has closed over 2,000 real estate transactions as a private lender and coach, working both sides of the table as an investor and a funder.
Links:
- Looking for funding on your next deal? bestreifunding.com
- Want to learn how to become a funder? myreicoach.com/trial (first month for a dollar)
- 🔗 Build systems for your investing business: https://realdealcrew.com
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