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Fix & Flip, General Tips, Investment Property, New Construction, Real Estate Investing, Real Estate Tips

Why Flexible Financing Terms Matter More Than Ever in a High-Rate Market

In today’s real estate market, interest rates remain elevated—and for many residential investors, that creates a more challenging landscape. Whether you’re managing multiple projects, planning a long-term hold, or actively flipping properties, the structure of your financing can be just as critical as the deal itself.

June 30, 2025/by David Hoffman

https://rockeastfunding.com/wp-content/uploads/REF_Blog_7.25.jpg 1080 1080 David Hoffman https://rockeastfunding.com/wp-content/uploads/RockEast_new_logo.webp David Hoffman2025-06-30 08:00:482025-07-29 13:40:50Why Flexible Financing Terms Matter More Than Ever in a High-Rate Market

Fix & Flip, General Tips, Investment Property, New Construction, Real Estate Investing, Real Estate Tips

Beyond the Rate: Why Smart Terms Make Stronger Investments

In real estate investing, the lowest rate isn’t always the best deal. Experienced investors know that smart loan terms—matched to your hold period, exit strategy, and project scope—can make or break a deal.

At Rock East Funding, we work with investors who understand that real success comes from knowing how to structure a deal to fit their overall strategy, not just chasing the lowest number.

June 3, 2025/by David Hoffman

https://rockeastfunding.com/wp-content/uploads/REF_Blog_6.25.jpg 1080 1080 David Hoffman https://rockeastfunding.com/wp-content/uploads/RockEast_new_logo.webp David Hoffman2025-06-03 10:05:292025-07-29 13:40:38Beyond the Rate: Why Smart Terms Make Stronger Investments

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Lee County, FL

$275,000 New Construction

New construction remains popular, and our financing product continues to be in high demand. This Florida land was already owned by the borrower, so we funded the construction budget of roughly $275,000. Can’t wait to see what it looks like when it’s finished.

Ulster County, NY

$280,000 Fix and Flip

These partners are moving through the Hudson Valley, racking up one winning deal after another.

This little home was purchased for $330,000 in September. It only took a few months to complete a $50,000 renovation and the property recently sold for $440,000. A quick profit – and on to the next one. Our loan of $280,000 helped make the deal happen.

Essex County, NJ

$650,000 Fix and Flip

These partners are blazing their way through New Jersey, racking up one winning deal after another. This property was purchased in December for $720,000. They completed a gut renovation and reconfiguration costing $200,000 in just 3 months. It just sold for $1.15 million – a pretty nice return in four months.

Our loan of $650,000 helped make this quick flip happen.

Philadelphia, PA

$825,000 Fix and Flip

We recently provided an $825,000 loan to this experienced investor to bring this rundown townhouse back to life. Purchased for $600,000, it will need around $300,000 in work.

Once it’s completed it should fetch close to $1.2 million!

Suffolk County, NY

$540,000 Fix and Flip

We were delighted to see our client sell this property for $1.1 million. Purchased for $600,000 just over one year ago, the property underwent a renovation costing $90,000. Do the math – not a bad profit!!

Our loan of $540,000 helped make this deal happen.

Orange County, NY

$131,000 DSCR

When this investor purchased this property for $187,000, it was ready for rent. We provided a DSCR loan of $131,000 at a rate of just 7.2%. Another cash flowing property in his growing portfolio.

Ulster County, NY

$300,000 Fix and Flip

What a way to start the year. Purchased for just $200,000 last June, this property was completely renovated at a cost of about $160,000. Last month it sold for $650,000 – netting a profit of over $200,000! Our loan of $300,000 helped make this deal a reality.

Chicago, IL

$185,000 Fix and Flip

We recently shared a loan of $2.8 million for a massive renovation project – but we’re always there for smaller loans as well.

This home was purchased for $117,000 and underwent a renovation of around $85,000. It just sold for $290,000 – netting a tidy profit of about $50,000. Our loan of $185,000 helped make it happen.

Westchester County, NY

$875,000 Stabalized Bridge

Ever need some cash while your waiting for a sale to close? Our Stabilized Bridge program is built for just that.

This property is new construction. Now that it’s complete and worth $1.25 million, we were able to provide a loan of $875,000 (70% LTV), enabling the borrower to pay off his construction loan (which we provided) and have some cash to float the property for the next few months.

Westchester County, NY

$2.5 M New Construction Financing

This seasoned investor and builder had purchased this property for $1 million. Now he was ready to build, and we helped make it happen.

The construction budget for each house was just over $600,000. The loan for each house was structured differently based on the client’s needs, but in total we funded about $2.5 million. Now that they are on the market they should sell for a combined $5 million.

On to the next one.

Orange County, NY

$162,000 Bridge to DSCR Rental

We love taking our clients “full circle” on deals like this one.

We helped the client acquire this property in May of last year for $150,000. After a quick renovation of around $30,000, we refinanced him into a 30 year DSCR loan of $132,000.

Another cash flowing property in the portfolio – and on to the next one.

Hudson County, NJ

$500,000 Fix and Flip

Purchased for $425,000, this property underwent a gut renovation costing around $135,000. Last month it sold for $750,000.

Our loan of $500,000 helped this experienced investor net a profit of nearly $100,000!

Nassau County, NY

$290,000 Fix and Flip

Now this is the way to start off your year. These investors purchased this property in June of 2023 for just $245,000. It underwent a renovation of about $100,000 – and sold this month for $735,000!!! That’s a profit of over $300,000!

Our loan of $290,000 – including 90% of the purchase price – helped make this windfall of a deal happen.

Orange County, NY

$575,000 Fix and Flip to DSCR

This is a great example of how we help our clients convert a distressed property into a cash flowing rental – and get their money out of the deal.

Purchased for $175,000, this four family needed about $125,000 in renovations. Our short-term loan of $190,000 provided the financing he needed. Now that it’s completed and generating $4,500 in rent, we are able to provide a DSCR loan of $385,000 – enabling the investor to pull his money out of the deal and move on to the next one.

Hudson County, NJ

$580,000 Mix Use Fix and Hold

Most lenders will tell you that mixed use properties are not easy to fund right now, but we can still get them done on a strong deal for a strong investor. This property was purchased by a seasoned investor for $528,000. It only needs about $50,000 and once it’s completed it will be worth about $850,000. With the help of a $580,000 loan from Rock East, this investor will soon have another property to add to his rental portfolio.

Nassau County, NY

$427,000 Fix and Flip

Another Fix-and-Flip Investment Opportunity! ✅

Our investors are making a significant impact in Long Island’s real estate market, consistently achieving impressive returns. This property was acquired for $320,000 and underwent a comprehensive gut renovation costing $180,000. The results speak for themselves—just last month, the property was sold for $777,000!

With our strategic loan of $427,000, this successful project came to life, generating a substantial profit for all parties involved.

Staten Island, NY

$390,000 Fix and Flip

Staten Island is often overlooked by investors, but not by this one – who just netted another $600,000 profit.

Purchased for $436,000 in October, the client spent around $50,000 on renovations. It sold in January – less than 90 days after purchase – for $688,000!
💰Our loan of $390,000 helped make this deal happen.

New Haven County, CT

$278,500 Fix and Flip

We helped this contractor get started on his investment journey a few years ago, and since then he has built a rental portfolio and continues to do flips.

This month he completed another successful deal with our help. Purchased for $210,000, he put about $100,000 into renovations. Just before the end of the year it sold for $450,000 – ending the year with a nearly six-figure profit. Our loan of $278,500 helped make it happen.

Orange County, NY

$234,250 Fix and Flip

This Orange County investor continues to hit them out of the park.

Purchased for $230,000 earlier last year, the property underwent a cosmetic renovation of $50,000. Earlier in December it sold for $465,000! That’s a profit of about $150,000. Our loan of $234,250 helped make it happen.

Reach out if we can help you with your next fix and flip.

Ulster County, NY

$354,000 New Construction

As prices continue to soar, new construction projects are becoming increasingly popular.

This project sold on New Year’s Even for $690,000 – land purchase was $99,000 and construction costs was under $400,000. Our loan of $354,000 helped this investor ring in the New Year with a bang!

Orange County, NY

$480,000 DSCR rental loan

As we end the year, we’re so happy to take this new client “full circle” with her property. Purchased for $100,000, we provided a loan of $180,000 to facilitate a complete gut renovation of what was a vacant shell. As you can see, it underwent a spectacular renovation – complete with a dog park in the backyard! Now that it’s rented and worth $640,000 we were able to provide a DSCR loan of $480,000 to free up cash for her next investment.

We’re here to help you with renovations, new construction or DSCR loans.

Bergen County, NJ

$7.6 million New Construction

When this experienced investor wanted to build three new homes on a vacant lot, he turned to Rock East. We lent him $7.6 million to construct four 10,000 square foot luxury homes. Last month he sold the third for $3.3 million – bringing the total sales for the three homes to $8.9 million! And there’s still one more to go which will bring in another $3 million.

If you need new construction financing, reach out.

Westchester County, NY

$312,000 Fix and Flip

Sometimes a little condo flip can bring an outsized profit. This property was purchased for $317,000 in June. After a renovation of about $45,000 it sold this month for $490,000! Talk about bang for your buck! Our loan of $312,000 helped make it happen.

Single Family, Multi-Family or Condos – Rock East is there for your financing needs.

Bergen County, NJ

$780,000 Fix and Flip

One of the most spectacular renovations we’ve seen in a long time! This home was purchased for $600,000 one year ago. After a vertical and horizontal expansion costing around $500,000, the house sold this week for $1.375 million. Our loan of $780,000 helped make it happen.

If your lender won’t fund massive expansions like this one, give us a call.

Passaic County, NJ

$200,000 Fix and Flip

It’s always gratifying when we take a chance on a less experienced client and they knock it out of the park. Our first loan with this client about two years ago worked out perfectly, so we were excited to finance her second project as well. We’re happy to share, same result.

Purchased for $140,000, the transformation cost about $60,000. Last week it sold for $365,000! Our loan of $200,000 helped make it happen.

On to the next one!

Staten Island, NY

$357,500 Fix and Flip

Always great when a new customer completes his first deal! This property was purchased for $715,000 just this summer. It needed only cosmetic TLC – totaling about $50,000. This month it sold for $960,000!! The next one is already underway.

Fairfield County, CT

$287,200 DSCR

Persistence pays off! We first met this new client about three years ago when he was beginning his real estate journey. He found ways to use conventional financing for his first two deals, and we stayed in touch along the way.

This week we helped him purchase his next property which he’ll keep as a rental. Purchased for $359,000, we provided a DSCR loan of $287,200 – 80% of his purchase price.

Welcome too the family – it was a long time coming.

Queens, NY

$577,000 Fix and Flip

This savvy Hudson Valley investor decided to venture into Queens for a deal he thought was too good to pass up – he was right.

Purchased for $545,000, the property underwent a full renovation costing about $85,000. It sold for $999,999 – less than six months after he closed on it.

Our loan of $577,000 helped make this home run of a deal happen.

Hudson County, NJ

$337,500 Fix and Flip

These investors are taking Suffolk County by storm. This home was purchased for $375,000 in November of last year. After a renovation of about $50,000, it sold last week for $600,000. Well over $100,000 profit in less than a year. We were pleased to provide a loan of $337,500 to help make it happen.

Hudson County, NJ

$525,000 Renovation

This mixed use property has been in the family for years but with the rental market on fire they decided to convert the entire building to residential.

We provided a loan of $525,000 – $425,000 to pay off the existing loan and $100,000 to do the renovations. Last week they refinanced at a value of $1.6 million!

Another cash flowing property to add to their portfolio.

Orange County, NY

$175,000 Renovate and Hold

Another winning deal for our Orange County based clients.

Purchased for just $30,000, our $175,000 renovation loan enabled them to completely transform the property. It recently sold for $355,000!

Suffolk County, NY

$405,000 Fix and Flip

These savvy investors are taking Long Island by storm, and we’re happy to help make their deals happen.

This most recent one was purchased for $345,000 in March. After a $100,000 it sold for $660,000 – just five months later. Not a bad return on investment. Our loan of $405,000 helped make it happen – and we’re on to the next one.

Broome County, NY

$225,000 DSCR

We were able to provide DSCR rental loan financing on two properties in his growing portfolio for a total loan amount of around $225,000. At 75% LTV, we’re providing him with cash to continue purchasing more properties – next one closes with our financing this month.

Bergen County, NY

$1 million Fix and Flip

As the saying goes – bigger risk, bigger reward. We are happy to partner with this seasoned investor as he take on this large fix and flip project – which should bring in a multi-six-figure profit.

Purchased for $875,000, it will undergo a complete transformation costing about $270,000. Once it’s completed, it should sell for around $1.5 million. This long-time client knew he could count on us to provide a loan of just over $1 million to help make the deal happen.

Can’t wait to see what it looks like once it’s finished – we’ll keep you posted.

Hudson County, NJ

$525,000 Renovate and Hold

Some people are shying away from mixed use, but this experienced investor wasn’t afraid.

He purchased this building with two apartments and one store almost exactly a year ago for $500,000. He completely transformed the apartments for about $150,000 and he will put his own business in the ground floor. Last week he refinanced into a long-term loan with an appraised value of $1.25 million! Our loan of $525,000 enabled him to add another cash flowing property to his portfolio.

Burlington County, NJ

$288,000 New Construction

This seasoned investor continues to hit it out of the park deal after deal.

He purchased the land for $60,000 in February, and then spent $245,000 construction a brand new home. It sold this month for $500,000.

He’s already on to the next one.

Fairfield County, CT

$377,000 Fix and Flip

Talk about “all in one” investor – this client is an appraiser, contractor, and realtor. So it’s no surprise he keeps hitting it out of the park.

This home was purchased for $415,000 in December. After a renovation costing around $90,000 it sold last month for $765,000. Our loan of $377,000 helped him generate this six figure profit.

Nassau County, NY

$2 million New Construction

Looking for new construction funding? Look no further. We just funded construction of what will be a $4.5 million luxury home on Long Island. The land was purchased for $1.6 million and the construction will cost about $1.5 million.

Our loan of $2 million is helping to get the shovels in the ground. helping to make it happen.

El Paso, TX

$450,000 Fix and Flip

We are happy to welcome this new client to the Rock East Family – all the way from Texas.

This home was purchased for $485,000 and only needs about $35,000 in renovations. This savvy investor/realtor should be able to sell it for around $650,000.

Our loan of $450,000 is helping to make it happen.

Nassau County, NY

$370,000 Fix and Flip

We started working with this investor less than two years ago, and this week he paid off his fifth loan.

Purchased for $410,000, the property underwent a renovation of about $60,000. This completely renovated property sold for $650,000 – our loan of $370,000 helped make this six figure profit a reality.

On to the next one.

Suffolk County, NY

$340,000 Fix and Flip

Time from receiving the deal to closing the deal – ONE week, including a three-day holiday weekend! When you buy at an auction and there is a non-negotiable closing date, an experienced lender can make the difference.

Purchased for $380,000, this home will undergo a $60,000 renovation. Once it’s completed, it will fetch around $600,000.

Happy to help make this deal happen!

Dutchess County, NY

$338,000 Fix and Flip

This husband wife team continues to plow through the Hudson Valley, knocking out deal after deal after deal.

This most recent property was purchased for $350,000 and underwent about $50,000 in renovations. It sold last month for $513,000 – our loan of $338,000 helped make it happen.

We’re already on to two more loans, helping keep this dynamic duo moving.

Passaic County, NJ

$357,000 Fix and Flip

There’s no better compliment than when an existing client refers us to a friend – which is how we got this new client.

This home was purchased for $356,000 and underwent about $90,000 in renovations. It sold last week for $600,000 – our loan of $357,000 for acquisition and renovation helped make it happen.

Orange County, NY

$280,000 DSCR

Always happy to help our clients through the life of their property investment, like we did for this client.

We started with an acquisition and renovation loan of $231,000. After it was renovated and rented (just 8 months later), we provided a DSCR rental loan of $280,000. That means he got out 100% of his purchase and renovation funding and has another cash-flowing property in his portfolio.

On to the next one.

Miami-Dade Cty, FL

$350,000 Fix and Flip

We’re happy to welcome this first-time investor to the Rock East Family!

This Florida home was purchased for $525,000 and will undergo a renovation of around $100,000. When it’s completed it will fetch around $720,000, setting this investor on his way to the next deal.

Our loan of $350,000 is helping him launch his real estate journey.

New Haven Cty, CT

$245,000 Fix and Flip

What a way to welcome this seasoned investor to the Rock East Family!

This home was purchased for $125,000 in December. It underwent a renovation of around $115,000 and sold last week for $442,000. Our loan of $215,000 helped this investor bring in a profit of around $170,000 – in less than 4 months!

Welcome to the family!

Bergen County, NY

$505,000 Fix and Flip

This New Jersey pro just sold yet another great deal – and we were happy to help make it happen.

Purchased for $460,000 in August, he spent about $110,000 transforming it into a modern suburban oasis. Last month it sold for $800,000! Our loan of $505,000 helped him generate this huge profit.

Suffolk County, NY

$300,000 Fix and Flip

When you’re a local lender, you never know where you might find your next client. In this case, it was in the neighborhood bagel store!

The owner is also an investor, and we helped him pick up this property for $400,000. After a $60,000 renovation, he sold it for $610,000. Our loan of $300,000 helped him pull in….a lot of “dough.”

Staten Island, NY

$350,000 Fix and Flip

Another new client in the “family”, another winning deal.

This property was purchased for just $247,000 in September. After a transformative renovation costing about $125,000, the property sold for a whopping $590,000 earlier this month. A profit of more than $100,000 – our loan of $350,000 helped make it happen.
This investor is already on to the next deal with our help.
Now she’s on to the next one.

Ulster County, NY

$283,500 Fix and Flip

We were delighted to welcome this realtor/investor to the Rock East Family, and she started off with a bang.

Purchased for $280,000 it underwent a $60,000 renovation. After the transformation it sold for $465,000 – that’s a nice way to start.

Now she’s on to the next one.

Essex County, NJ

$2 million New Construction

No surprise that we love working with family businesses, and they love working with us. When our current client’s son was looking to fund a project of his own, of course he came to us.

We were able to provide a $2 million construction loan to build a 9-unit residential property. Once completed it will generate about $135,000 of annual profit.

Westchester County, NY

$430,000 DSCR

Last year, we provided a $415,000 loan to help this father-daughter duo purchase and renovate this single family home. After a beautiful renovation of about $100,000, which included finishing the basement and attic, the property appraised for $660,000!

They decided that with rent of $5,000 a month they wanted to keep it rather than sell it – and last month we provided a 30-year loan of $430,000 to make that happen.

Now they’re on to the next one, looking to grow their rental portfolio.

Putnam County, NY

$110,000 Fix and Flip

It’s been a while since we worked with this investor, but we were happy to welcome him back into the fold – and he came back with a BANG!

This property was purchased for just $100,0000 only four months ago. After a renovation of about $50,000 he sold it this week for $250,000!

Our loan of $110,000 helped make him bring home this nearly six figure profit.

Gloucester County, NJ

$220,000 Fix and Flip

What a transformation!
This home was purchased in July for $182,000. It underwent a renovation of about $65,000 and recently sold for $320,000 – netting this investor a profit on an investment of about $40,000. Now that’s an ROI!

Our loan of $220,000 helped make it possible.

Orange County, NY

$200,000 Fix and Flip

This Hudson Valley investor continues to impress!

This home was purchased in June for 200,000. It underwent about $30,000 of renovations and sold for $399,000.

Our loan of $200,000 helped make this highly profitable deal possible.

Columbia County, NY

$154,000 DSCR

We went “round trip” on this one.

We first provided an acquisition/renovation loan when the property was acquired and now that the renovation is completed and tenant occupied, last week we closed on a 30-year DSCR loan.

The borrower wanted to stay low leverage against the value of $280,000 so our loan of $154,000 enabled him to pay off our initial loan and put a few dollars in his pocket. At a rate of just 7.6% it cash flows nicely.

Another happy customer!

Westchester County, NY

$660,000 Fix and Flip

The old saying “time is money” – these guys really take it to heart!

This home was purchased in August 2023 for $650,000. They did a gut renovation to the tune of almost $200,000 and closed in mid December – just 4 months later! At a sale price of $1,150,000 (above asking), that’s what you call a big profit in a short timeframe.

Our loan of $660,000 helped make this deal possible, and now they’re kicking off the New Year with another purchase.

Orange County, NY

$780,000 Commercial

At Rock East, our goal is to solve your real estate financing challenge – even if we can’t do it ourselves.

As our clients know, we don’t fund pure commercial properties, but we have a big network and try to make strong referrals. The owner of this strip mall in Orange County, NY wanted to pay off his current mortgage and pull out cash.

Our partner was able to secure a loan of $780,000, netting this client about $400,000 just in time for the holidays.

Rockland County, NY

$267,000 Fix and Flip

Always great to see a new client knock it out of the park on their first deal!

Purchased for $295,000, this property underwent a $90,000 renovation. You can see for yourself how great it looks – no wonder it sold for $535,000 last month.

Great return on the deal, which we helped make possible with a loan of $267,000. On to the next one!!

Albany County, NY

$141,000 Rental

It’s always great when we can help our clients acquire and renovate a property and then also provide long-term financing once it’s rented.

This property was purchased for $140,000 in March with an acquisition and renovation loan of $141,000. Once renovated the property was worth $220,000. Last week we were able to provide a 30-year loan at 70% LTV at a rate of 8%.

Now they have another cash-flowing property in their growing portfolio.

Bergen County, NJ

$780,000 Fix and Flip

Show us the experience and we’ll show you the money for large-scale renovations.

These seasoned partners purchased this home in an upscale community for $600,000. It will undergo a $400,000 renovation, which includes adding significant square footage. Once completed, it should sell for close to $1.4 million.

Our loan of $780,000 is helping turn this traditional colonial into a dream home.

Colombia County, NY

$220,000 Rental

Purchased in 2022 for $220,000, this Hudson Valley home was transformed into the ideal vacation cottage. It’s now operating as a short-term vacation rental bringing in major cash flow, which enabled the investor to refinance, get his cash out, and payoff our loan of $220,000.

Union County, NJ

$410,250 Fix and Flip

This duo in New Jersey never ceases to amaze with the way they transform their properties.

Purchased for $360,000, this home underwent a complete renovation costing around $250,000. It sold this month for $800,000 – generating another impressive profit. On to the next one!

Orange County, NY

$257,350 Fix and Flip

Another successful BRRR.

This 3-family home was purchased for $185,000. After a complete transformation costing about $100,000 in renovations, it appraised for $350,000. That enable the client to refinance and add it to her growing rental portfolio.

Orange County, NY

$358,200 Fix and Flip

Talk about turning an old, historic home into a modern-day oasis. This savvy investor picked up this gutted property for $250,000. It then underwent a gut renovation costing about $150,000.

It sold last week for $600,000, netting this investor a handsome profit.
Onto the next one.

Westchester County, NY

$670,000 Fix and Flip

It’s been an honor to welcome several new clients to the Rock East family lately – like this couple.

With experience in other markets, they decided to jump into their local market with this single family home purchased for $650,000. It will undergo about $180,000 in renovations and should then sell for around $1.2 million. That’s a profit of around $200,000 if all goes according to plan.

Our loan of $670,000 helped make the deal happen.

Paulding County, GA

$136,000 Rental

This new investor was referred to us just two weeks before her closing date. Although she is a first time investor who lives across the country, she was able to present a plan demonstrating her ability to complete the project.

Purchased for $160,000, the home will undergo about $50,000 in renovations and will then be held as a rental property. Our loan of $136,000 helped this new investor start her real estate investing journey.

Another happy member of the Rock Eeast Family.

Bronx, NY

$500,000 DSCR loan

Active investors need to have cash on hand to buy properties, and DSCR loans are a great option.

This two-family property is worth $850,000 and had NO mortgage on it. That’s a lot of equity to have tied up when you are actively buying more properties. We could have provided this seasoned investor a loan of $595,000, but he decided $500,000 was enough. At a rate of 7.8%, the property still cashflows handsomely.

This is our first deal with this investor, but certainly not the last.

Essex County, NJ

$200,000 Fix and Flip

Another successful BRRR! This property was purchased in March for $360,000. It underwent $150,000 in renovations and is now worth more than $700,000. The client refinanced to keep it as a rental, and it’s now fetching almost $3,000/month in rent.

Our loan of $200,000 enabled this investor to add another asset to their growing portfolio.

Queens, NY

$400,000 Fix and Flip

We’ve been grateful to welcome many, many new clients to the Rock East Family recently, but we’re equally grateful for clients who have been working with us for as long as 20 years. We were pleased to help this long-term client with yet another great deal.

Purchased for $200,000, the construction budget is $400,000. A big undertaking, but well worth it as the ARV is $950,000.

Our loan of $400,000 will help this savvy investor pull in a profit of close to $200,000!

Hudson County, NJ

$600,000 Bridge

Four closings in one day for one new client – that’s what baseball fans would call a “Grand Slam” of a day.

These partners purchased four condos in one building in New Jersey, each for $177,000. They are fully renovated and valued at $250,000 each but they had to close quickly to get this heavily discounted price. We provided short term bridge financing of $150,000 per unit – a total of $600,000 – to enable them to secure the deal. They are keeping them as rentals so we’ll help them convert to 30-year rental loans.

Another happy customer welcomed into the Rock East Family.

Gaston County, NC

$135,000 Fix and Flip

When this Virginia based client wanted to expand to North Carolina, he knew Rock East would be there for him – and we were. This home was purchased for $245,000 and will undergo about $30,000 in renovations. It will only be worth about $315,000 once completed but the key to this deal is it comes with an adjacent lot that can be subdivided and built on!

Because of funds coming from a 1031 exchange, our loan is only $135,000 – but it’s what the client needed to make the deal happened. Wherever they are, we’re there for our clients.

New Haven County, CT

$178,500 DSCR loan

We love it when we can help our clients take a deal “full circle.”

Last year, we helped this trio of seasoned investors purchase this distressed property for $175,000. They invested about $30,000 in sprucing it up and quickly rented out both units.

This month, we provided a 30-year DSCR loan of $178,500 – enabling them to pull just about all of their cash out while retaining a cash flowing asset for their portfolio. Now their cash is freed up for the next one.

Bronx, NY

$252,000 Fix and Flip

It’s always great to see one of our longest running clients pull off another great deal. Purchased in December for $460,000, this single family in the Bronx was cleaned up to the tune of about $70,000. It just sold for $660,000, netting this investor a profit of just under $100,000.

Our loan of $252,000 helped make this deal happen.

Bergen County, NJ

$2.2 million Fix and Flip

The numbers in this deal sound like new construction, but it’s actually a massive renovation of an existing property. Purchased for $900,000, this property will be completely transformed by an experienced builder who is budgeting $900,000 for the renovation. Once it’s completed, this home should sell for almost $3.5 million.

After building in an interest reserve and some contingencies, we were able to provide a loan of $2.2 million. It’s a significant carrying cost, but once it’s completed it should net a profit of more than $500,000!

Brooklyn, NY

$1.5 million Fix and Flip

The competition in New York City can be fierce, but it’s still and unbelievable market to make big bucks on a deal. These season investors purchased this two family home in a historic district for $830,000. Because of historic district requirements, it will cost another $850,000 to properly renovate it according to all requirements. But once completed it will be well worth it – fetching more than $2.5 million!

Our loan of $1.5 million is helping restore this building to its original glory.

Essex County, NJ

$410,500 Fix and Flip

This seasoned investor continues to find gems in his New Jersey market. Purchased for $345,000 in October, it underwent about $100,000 in renovations. This week it sold for $650,000, netting a profit of well over $100,000.

Our loan of $410,500 helped make it happen – onto the next one.

Rockland County, NY

$267,00 Fix and Flip

We always love welcoming new investors to the Rock East Family – especially when they are referred by another satisfied client.

This new investor purchased this property for $295,000 and will invest about $60,000. Once it’s completed, it should sell for $485,000 – netting a profit of more than $75,000. Our favorite part – two days after closing he was already ready for his first construction draws.

Our loan of $267,000 helped this new investor get started on the fix and flip journey.

Luzerne County, PA

$150,000 Rental

Sometimes Rock East feels like Hotel California – you can never leave!

This seasoned investor worked with us more than 20 years ago. We were happy to reconnect at a recent convention and all these years later we were there for him once again.

As an active investor, he wanted to tap into some of his equity. So we provided a 30 year DSCR loan of $150,000 against his single family rental property, giving him some capital he needs to continue building his portfolio.

Lee County, FL

$335,000 New Construction

Yes, we do new construction!🛠️ This experienced investor bought the land for just $35,000 and needed just over $300,000 to build. Once it’s completed, this 2 bed, 2 bath will sell for around $500,000. Our loan of $335,000 will help the investor net a nice profit.

Thanks to the mortgage broker who brought us this deal because he knows we ALWAYS PROTECT.

Orange County, NY

$295,000 Fix and Flip

Hopefully this is a good foreshadowing of the Spring market.🌱. Purchased for $292,000, this single family home required only a clean up totaling around $30,000. It just sold for $440,000, netting a profit of over $50,000.

Our loan of $295,000 helped make the deal happen.

Ulster County, NY

$283,500 Fix and Flip

Welcome to the family! This new client, who heard about our unparalleled service from other investors, purchased this home for $280,000. The husband in this duo is a contractor and will invest about $60,000 in renovations. Once completed it will sell for around $440,000 – with some savings because the wife is a realtor.

Nashville, TN

$1.7 million Fix and Flip

Ever hear of loan to own, where a lender is hoping the borrower defaults so they can take the property? Here’s the opposite.

Our borrower was struggling to complete a large project, so we stepped in to help. Another client took over the project, purchasing the property for $1 million. It will take him about another $950,000 to complete it and then this nearly 4,000 sq. ft. home should sell for about $3.5 million.

Our loan of $1.7 million helped one client out of a jam, and set another on the path to a big pay day. That’s the “family” difference.

Nassau County, NY

$328,500 Fix and Flip

We love welcoming new clients to the “family”, especially when they are right in our own backyard. This client was referred by his lawyer because he needed to close quick – within 5 days – and he knew we would get it done.

Purchased for $365,000, it will undergo about $35,000 in renovations and will then go back on the market for around $540,000.

Our loan of $328,500 will help this seasoned investor net around $100,000!

Orange County, NY

$409,350 Fix and Flip

It’s a new year, but for this savvy investor it’s the same old story – another home run.

This single family home was purchased for $402,000 in July. It required less than $50,000 in renovations to get it into pristine condition and sold last week for $633,000. That’s a profit of about $100,000.

Not a bad way to kick off the New Year.

Columbia County, NY

$227,500 Fix and Flip into Rental

What a great way to start the New Year – helping a client finish up a deal we started with him last year!

When he purchased this property for $252,000, we provided a loan of $227,500 which included acquisition funding and renovation funding. With renovations completed and the three units fully rented, this week we closed on a rate-and-term 30-year fixed rate loan.

Now he’s set to maximize the cashflow!

Sussex County, NJ

$227,500 Fix and Flip into Rental

We love “full cycle” deals like this one, when we can help our clients achieve their real estate goals by using a variety of the tools in our toolbox.

We helped this client purchase and renovate this property with an “acquisition/renovation” loan of $175,000 earlier this year. After a beautiful renovation of around $125,000, we refinanced it into a 30 year, no-doc cash-flow rental loan at a rate of 7.95%.

The loan of $227,500 enabled the borrowers to get all of their cash out of the property and move on to the next one.