REAL ESTATE INVESTOR FINANCING

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Resources

Funding Guides

Understand how each financing structure works, when investors use it, the terminology, typical underwriting considerations, risks, and common mistakes — before you choose a program and submit.

Each guide explains what the financing is, the problem it solves, when it's used, how the structure works, important terminology, typical underwriting considerations, risks and tradeoffs, common mistakes, and how Green Fire Strategies' available financing options generally approach the scenario. When you're ready to take action, the guide links to the relevant financing page.

Real Estate Funding Guides

Fix & Flip Financing Guide

How acquisition + rehab financing is sized, why rehab is allocated first, and how draws release.

Bridge Financing Guide

When short-term bridge capital fits, how no-appraisal-under-$1M works, and valid exit strategies.

DSCR Rental Financing Guide

How DSCR is calculated, how qualifying rent is determined, and 0.75x minimum program logic.

Ground-Up Construction Guide

How total project cost is built, why 100% construction financing ≠ 100% total project, and draw mechanics.

Build-to-Rent Guide

Two-close vs one-time-close, stabilization, DSCR takeout, and rental projections before the property exists.

Gap Funding Guides

What Is Gap Funding?

What gap funding is, why borrowers don't choose a specific tool, and how Green Fire builds the right capital strategy from one prequalification.

Debt Consolidation Guide

How reducing utilization prepares the file for larger capital, and why no specific FICO gain is guaranteed.

Unsecured Term Loan Stacking Guide

How unsecured term-loan stacking works, the 680+ preferred matrix, and why borrowed funds don't auto-count as liquidity.

0% Credit Card Stacking Guide

Why application order matters, 690+ matrix / 700+ best results, and the 12–21 month promotional period.

HELOC Guide

How CLTV works, primary vs investment-property starting matrices, and the variable-rate draw structure.

Business Line of Credit Guide

Revenue-based revolving capital, why owning an LLC alone doesn't qualify, and standard vs larger lines.

Merchant Cash Advance for Real Estate Investors

What an MCA is, how revenue-based repayment works, why it's more expensive, and when a Business LOC or term loan may be preferable.

Securities-Backed Financing Guide

How stock and crypto collateral works, up to ~75% LTV on unrestricted shares, and the market-risk tradeoff.

Second-Position Cross-Collateralized Gap Funding Guide

75% × appraised as-is value − existing debt, 650 FICO, appraisal required, and how a separate property secures the gap.

Business Funding Guides

Business Term Loan Guide

Lump-sum fixed-payment capital and how the amount is set by the lender, not the deal.

Working Capital Guide

Short-term operating capital, same-day options, and why it's not cheap long-term debt.

SBA Loan Programs Guide

7(a), 504, Express, and Microloan — uses, timelines, and why SBA is slower than conventional.

Equipment Financing Guide

How the equipment itself secures the financing and how the amount is tied to equipment value.

Invoice / AR Financing Guide

How account-debtor credit quality drives the advance, not the business's own credit.

Transactional Guides

EMD Funding Guide

How earnest money is funded during the refundable period, Option A vs B pricing, and contract-safety dates.

Double Close Funding Guide

A→B→C money flow, 1.25% up to $1M, tiered pricing above, and why the end buyer must be funded.

Stack Funding Guide

Primary loan + seller carry + transactional capital, the core economic test, and +1% add-ons.

Echo Funding Guide

B-C down-payment funding, spread-must-cover-repayment, and same-day transactional structure.

Stack vs Echo — Which Structure Is My Deal?

Seller stays in → Stack. Everyone cashes out → Echo. A simple decision rule.

24 guides available. Educational content only — not an approval, offer, or commitment to provide financing.

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