I still remember the look on Mr. D’Souza’s face when the bank manager slid the folder back across the table. He was in his late 30s, a scrappy landlord from the South Side who’d just found a three flat on a block he knew inside out. The paint was cracked, the tenants had stopped paying rent years ago, the bones were solid , all he needed was a loan to buy it before the city auctioned it off.
The branch manager smiled politely, then said the words every small developer dreads: “It’s too risky for our book. Maybe next year.” Mr. D’Souza walked out into the February slush, folder in hand, half wondering if he’d just lost his best chance to build something bigger than a paycheck.
If you’ve ever tried to buy a building, flip a house, or start a small business without deep family money, you know this feeling. The door stays closed unless you learn to borrow a key.
That key, for many of us, is what the wealthy whisper about but rarely explain in full: Other People’s Money. OPM !
If you open any undergraduate finance textbook, you’ll find a neat definition of leverage: the use of borrowed capital to increase the potential return of an investment.
What the textbook won’t tell you is that this leverage is not equally available to everyone. Banks are risk machines , they like tidy spreadsheets, long W-2 histories, proven collateral. They don’t like uncertainty. They especially don’t like you if you’re doing your first deal, if your credit report has dents, or if your project looks unconventional.
And so, the same tool that built giant shopping malls and glittering condo towers is locked away when you show up with a ten-unit fixer-upper in an old neighborhood.
This is where OPM enters , not as a loophole, but as a time tested alternative path. If you can’t get the bank to trust you, maybe you can get a person to trust you. But trust doesn’t come cheap.
In simplest terms, OPM means using other people’s capital to fund an investment that pays enough to cover its costs and still make a profit for you and the lender. If the project works, everyone wins.
If you’re flipping a house: you might borrow money to buy it, renovate it, and sell it for more than your total costs. If you’re buying a rental property: you borrow money to acquire and rehab it, then repay your lender once you refinance or generate stable rent income.
Sometimes OPM is a friend or family member. Sometimes it’s an angel investor. Sometimes it’s a local “money guy” with idle capital who wants passive income. Sometimes it’s a whole circle of small private lenders, each putting in a piece which is how platforms like Zip2P make it work at scale.
The rules are simple:
- The project must be solid.
- The plan must be clear.
- The deal must make sense for everyone.
If it doesn’t, trust evaporates fast and so does your access to OPM.
Three Real Stories That Changed My Mind – Story 1: The First Flip
My friend Sarah, an ER nurse in Detroit, watched HGTV for years before she found a half-burned duplex on a block she knew well. The bank wouldn’t touch it. So she asked around. Her cousin lent her $25K from a 401(k) loan. A retired neighbor put in another $30K for a small slice of the profit. Six months later, Sarah sold the place, paid back her cousin with interest, took her neighbor out to dinner to celebrate his first “private loan,” and rolled her profits into the next project. She’s now on her fifth.No bank. Just Other People’s Money. And trust built deal by deal.
Story 2: The Multi-Family Leap : A bigger leap came when I met Ron, a contractor in Baltimore. He’d built a solid business doing renovations for landlords, always for someone else’s portfolio. One day he decided to buy his own. The problem? Contractors rarely have neat tax returns. Banks don’t like that.Ron pitched three clients he’d done good work for “You know my work. You know this building. Want in?” They did. One funded the purchase. One funded the rehab. One guaranteed the refinance bridge.
Ron didn’t just use OPM — he used relationship equity. The same trust he’d built swinging hammers now built him an equity stake.
Story 3: The Neighborhood Circle
Finally, there’s a story closer to the tech edge: Zip2P’s founding circle in Phoenix. A group of local developers and private lenders got tired of watching banks ignore their neighborhoods. They started pooling money zip code by zip code , backing small multifamily rehabs and short-term flips in blocks they knew. Instead of waiting 60 days for a loan officer, borrowers posted plans, photos, budget spreadsheets. Lenders asked questions, did drive-bys, and split the risk. Trust came from speed and transparency. That circle now includes hundreds of micro-lenders , many funding deals within a mile of where they live.
When OPM Goes Right And When It Doesn’t
Let’s be real: OPM is not a miracle cure. It’s not free money. It’s a relationship.When it goes well, everyone gets paid and wants to do the next deal. When it goes wrong, friendships crack, reputations sink, lawsuits fly.
The biggest mistakes?
Overpromising: “I’ll double your money in six months!” Sure, if everything goes perfectly. And what if it doesn’t?
Poor communication: Going silent when budgets slip, tenants delay, or city permits drag. Trust evaporates in silence.
Lack of transparency: No clear spreadsheet, no plan for exit, no progress updates. Lenders get nervous. Nervous money walks.
The Psychology Behind OPM
Prof. Dan Levy taught us: “Trust is built with signals — promises made and kept, and stories that travel fast.”
Behavioral finance says people lend when:
- They see you’re accountable.
- They see your skin in the game.
- They see other people lending too.
- They feel they can monitor the outcome.
That’s why some of the strongest OPM circles rely on ritual: milestone check-ins, small investor updates, even selfies at the site with keys in hand. In Zip2P’s private money world, a Thursday morning photo of fresh concrete can be worth more than any spreadsheet.
So what makes OPM work in the trenches?
Be clear: Show real numbers — purchase, rehab, holding costs, sale/refi plan.
Be visible: Walk your lender through the building. Photos. Videos. Even live streams.
Be accessible: Answer questions. Hop on a call. People lend to people they can reach.
Be disciplined: Don’t mix personal expenses with deal money. Never fudge an update.
Be repeatable: If you deliver once, you’ll fund your next project twice as fast.
Why Zip2P Works
Platforms like Zip2P didn’t invent OPM. They just digitized what good old neighborhood syndicates did for decades.The twist? Now you don’t have to rely only on the cousin with idle cash. You can tap a circle of small private lenders who care about your block , verified, profiled, and watching your progress. It’s a handshake with guardrails: milestone draws, clear profiles, transparent negotiations.If you do what you say, you won’t just fund this project , you’ll build a circle for the next five.
The Moral of OPM
OPM is powerful — but only for builders who respect it. It’s not just a trick to get money. It’s a contract of trust. It’s not just leverage. It’s responsibility. And when it works , when the bank says no but the circle says yes , you’re not just borrowing dollars. You’re borrowing belief.
One Last Story
I ran into Mr. D’Souza again, three winters after that first rejection. This time he was at a city zoning hearing, smiling big, signing papers for another 12-unit conversion funded by the same small circle that backed him the first time. He didn’t get richer because he waited for a banker to like him.He got richer because he learned that Other People’s Money is really Other People’s Trust and he earned it by building what he said he’d build.
Are you ready to do the same?
If the bank says no, remember: there’s always someone ready to say yes , if you’re ready to earn it.That’s OPM.Use it well.
I met Rupert on Zip2p and he has been very cooperative and helpful with me filling out the application. She has given me the opportunity to complete the paperwork that in a timely manner. Thank you Rupert Deering , you know customer service and how to make people feel comfortable.
Can anyone share their experience with private money? What has your experience been with rates, prepayment, etc etc? Whats the best way to find a private investor?
How does this compare to hard money lenders?
Any help/response is greatly appreciated!
I have a great attorney I can refer you to for a loan package. He’s based in PA, understands private money lending well, and can write document packages for loans in multiple states, one being IL.
IF U want 2 go on the safe side…talk 2 the private lenders…U’re funding at that point flippers/other investors/re-habbers & they’re paying YOU 10-18% 4 the use of Your money…while YOU hold the 1st mortgage against the property they’re prepping 2 sell 2 pay You back;
It’s both an excellent investment (always < 80% Loan to Value{LTV}
& the most secure place U could ever put Your $$?
BE the BANK!
We’re coming to the end of a market cycle, and hard money lenders are really getting competitive … pushing really low rates and points and high leverage..
And this is growing in conjunction with more Non-Prime Loans…
Feels like 2005-2006…
I am a private lender, and I can tell you a bit from my side of it. We are easier to find than you think, here are some recommendations:
1) Go to people that know and trust you for other reasons, they’ll be your best bet to get things started.
2) Shorter turnaround and lower risk than equity often opens you up to a new batch of lenders, particularly more risk-averse types that live on a fixed income from investments. This is a very large group of people we don’t hear about a lot on this forum.
3) If you offer attractive rates, even by +.5% or so (compared to alternatives), you can really get people interested. It’s very hard to find yield these days, so I think that’s opened many people up to alternative streams.
4) Buffer your estimates, pick clear milestones, always hit your targets and you will have the most loyal group of lenders imaginable.
Thanks
Hello my name is Ben and I am trying to find a hardmoney lenders in Virginia Beach could anyone point me in the right direction .
it might be helpful to think of OPM this way. If you can use OPM you’re not putting your cash at risk to buy and rehab properties, so there is nothing to fear but fear itself. However you could be risking the cost of an appraisal/home inspection and an earnest money deposit if OPM requires them.
Facts about professional OPM…
OPM approves loan based on the equity position they have in the property not the borrower’s credit history or income. OPM will not be available if the deal doesn’t make sense. OPM will not be available to a borrower if OPM doesn’t believe the borrower has what it takes to oversee the buying, rehabbing and selling the property in a timely manner. You cannot get OPM if there is a chance OPM will lose their money. My OPM doesn’t like loans under $200,000 but loves loan over million $ – (if your going to dream, dream big, the margins are better.) Savvy OPM will setup safeguards within their funding to insure the borrower success. EXAMPLE- My loans are typically set to make the first 6 months of payments so you can concentrate on rehabbing and selling the property ASAP. Savvy OPM “NEVER LOANS TO OWN”. We absolutely don’t want to foreclose on the property – we want our points, interest and to be paid back ASAP so we can put our money back to work. But understand, OPM is all business and you should absolutely expect OPM to start the foreclosure process if you’re a 1 day late on an interest payment.
Hi – I have a deal right now that is going for 2Mil – needs 600K worth of work and can probably sell near 3.9Mill or more. Of course I don’t have the 2Mil to buy it. How would this deal work? TIA
@Benk. If you’re looking to bring capital to the syndication deals, you have to start building the relationships long before you have a deal. Just like in personal relationships, the professional ones take time, commitment and dedication. Things will not happen overtime. Professional “courting” if you will, is required. An alternative is to partner with someone who is skilled in that arena.
@Ben K,
There are many lenders on the Zip2p . Developing a relationship with a funding source is very important in being successful in the fix and flip strategy long term.
Best of luck in all your endeavors
I’m looking for guidance and ideally a connection on securing financing for a project I’m working on in ATL. The strategy is similar to a fix-and-flip, but instead of rehabbing a house, the plan is to develop a piece of land and place a brand-new manufactured home on it for resale.
I’m a licensed real estate agent and a manufactured home dealer here in ATL. The turnaround is fairly quick, but I’ve found that traditional lenders even hard money lenders aren’t interested in this type of deal.
I’m looking to connect with a private money lender or investor who’s open to this kind of project. If anyone has experience with similar deals or can point me in the right direction, I’d greatly appreciate it.
Thanks in advance!
Hey nate,
Sounds like you are on a good track. Might be able to help with your situation. When are you available to talk? Let me know if you’re interested in a private money lender. I’ll be happy to chat.
Manufactured are extremely difficult as most do not consider them real property. Highly doubtful any organization will do it.
Hi Jessica,
I completely agree, it’s incredibly challenging to find an organization willing to fund this type of project. What many don’t realize, though, is that when a manufactured home is placed on land owned by the buyer (not in a park), set on a permanent foundation, and the titles are retired, it’s legally converted into real property. That distinction can open the door to more traditional financing options, but it’s definitely an uphill battle educating lenders and partners about the process. I will keep cheking Zip2p.com maybe I will find a willing lender .
The 3 Things I Wish I Knew Before Raising Private Capital
Whether you’re just starting out or you’ve done a few deals, I wanted to share some hard-earned lessons I’ve learned from raising private money for real estate flips and rentals. Hopefully this helps someone avoid a few bumps along the way:
1. People Invest in You Before They Invest in the Deal
Early on, I thought I just needed a good deal to get funding. But what really moves the needle is trust. People want to know you’re honest, responsive, and won’t ghost them if things go sideways. Always lead with integrity, even when it means walking away from a deal.
2. Overcommunicate During the Process
When someone trusts you with their capital, the worst thing you can do is go silent. Even if everything is going fine, send updates. “No news” is still news. It builds confidence—and keeps doors open for future funding.
3. Be Clear on Exit Strategy and Timeline
Don’t overpromise. Be transparent about what could happen, how long it might take, and what the risk looks like. Private lenders aren’t scared of risk; they’re scared of surprises.
Thank you. You are one of the first to explain some of the questions I had before looking into investing in reality. I now have a much better idea of what I would be getting into.
Hello, I’m very interested in becoming a private money lender. I’ve found an attorney who adviced me to Join Zip2p Lenders Network. He said just to start and get a basic contract with my preferences would be about $2k, does that sound right? Seems pretty steep. If I lend 30K for 12 months at 12% I only walk out with $1600 if I subtract the attorney fee alone + any other related fees. Doesn’t seem worth it, at all. What am I missing? Even if I lend 50K it doesn’t seem worth it.
$2k seems high. I would expect about half of that for a straightforward note and mortgage/DOT and title review. If there is something complex about this deal, then maybe that justifies more. Also, a reasonable amount of this will be paid by your borrower in the form of fees (this is part of what those fees cover.
This is also why most lenders have minimum loan amounts. Origination costs are largely fixed – it’s roughly the same cost to lend $200k vs $20k.
Hi Rupert , You were the very first hard money lender I contacted over a year ago but y’all were only dealing within Toronto. It’s a breathe of fresh air knowing you’ve opened it up! I’ll be in contact very soon!
Yes my friend, I am open to lending nationwide now. When I can’t lend directly , I know someone who would. Did you find a lender on Zip2p for your deal ?
That attorney fee does sound a bit high for a basic lending contract, but it depends on the complexity and if they’re including other legal services.
Starting as a private lender often means upfront costs like legal fees, but those protect you and help avoid bigger problems down the road. You might be able to find attorneys or template services for less, or use standardized loan documents designed for private lending.
Also, many private lenders build their portfolio over time, so the initial deals might not be super profitable alone but set the stage for better returns later.
$30,000 is a small sum and might lead you into second-position or unsecured lending to undercapitalized borrowers. This includes loans for earnest money, down payments, or closing costs. These types of loans are extremely risky and can easily wipe you out. You Need to have another option.
The process was fast, the team was easy to work with, and we got a great rate. Highly recommend!
This article is wonderfully written. I agree 100% about the time, dedication, and patience it takes to build a strong network. So many operators come and go because they don’t take this longterm view. But building relationships based on trust takes time – like you said sometimes years. Wonderful article, thanks for posting! I have used Zip2p to get all the lenders I work with today. I can say its a great platform
I am an investor with properties ranging from single family to small multifamily. I go to Zip2p with all of my upcoming deals. Not only are the lenders professional, you can get free quality advice that will steer you in the right direction if you are missing anything. I strongly encourage joining the platform because the lenders there want you to win.
I had a fantastic experience working with Jonathan Dwells who I met on Zip2p network! He was incredibly responsive, easy to reach, and kept me in the loop every step of the way. Highly recommend!
I have a question, if I use hard money to purchase a house and then fix it up, then I want to rent it out, can I switch to a conventional mortgage or business loan so that I can have a long term so that i can take profit on it every month and still be in debt? Also will I need a down payment or can I just put the house as collateral because I’d only refinance to what I lended before, which would hopefully be below the market value
I met Rupert on Zip2p also, and he is an excellent loan officer. His consistent follow up and clear communication were invaluable throughout the homebuying process. He provided timely updates and was readily available to address any questions. I highly recommend working with him.
Not my first experience with zip2p! Outstanding as always. Now I am a mini Loan broaker for my other investors because I have trusted relationship built over the years with some zip2p lenders .
Zip2p has to be the most professional lending network of the financial field. It has helped me throughout the years with not just loan but industry advice and knowledge. The lenders I have worked with do what’s right for you as the client. The way Most lenders care about your financial well being is top notch. I highly recommend you find lenders there .
Is the interest rate over the course of 6 months? 10-12 % then spread over the 6 month duration. Did you do a video about missed payments, and just no payment at all. Whats the legality of the property they are flipping and their obligation with me. Can i put a lien on the property? Civil Court? Also did you do a video on paperwork and contracts to include all the above? Tax obligations? And if so, should i create an LLC. Insurance?
Hey guys, I’m new to real estate investing and was hoping for advice on how to approach a private lender. I’d like to have all relevant information in a folder I can walk them through, but am struggling on what all should be in there. Just looking for some thoughts or maybe even a template that has worked well for one of you.
Thanks in advance.
Good question. I just had a meeting with a private lender this past weekend. A young man I actually met on Zip2p who wanted to get into the lending side of this industry. For the last 12 months we exchanged phone calls, texts, emails, and met in person 3x. In that time I kept him up to date with the team I was building and pieces I was adding. He knew I had a b.g in HML and brokered loans as well as worked for lenders. He knows I’ve coordinated 40+ deals as a consultant. I kept him in the loop and showed him I was serious about building the right team around me, have a refined process for purchasing, rehabbing, and selling, and I needed to show him all I needed was the money. This past weekend we committed to do a project with him as the lender this fall.
But if this is not an outfit and a true private individual. You need to show them that you are real, you know what you’re doing. You’ve seen the good and the bad of this, you know where the land mines are, and you have a business model that will make money.
Call the lenders and ask what info they need. You never know what a lender might ask or what is part of their discovery process.
I started out using hard money loans. Once I had a few successful projects under my belt, people in my network started asking how they could get involved that’s when I started introducing the idea of private lending.
Hey, congrats on taking the first step – working with private lenders can be a great way to build your real estate business. I remember putting together my first lender packet and wondering the same thing.
What works (for both parties) was to focus on clarity and credibility. I’d suggest including:
A short summary of who you are, your background, and why you’re getting into real estate
The investment opportunity or your overall strategy (e.g. BRRRR, flips, buy and hold)
A sample deal analysis — even if it’s hypothetical — showing purchase price, rehab budget, ARV, and how the lender gets paid back
A rough timeline and how their capital is protected (e.g. lien position, insurance, title, etc.)
References, contractor info, or anything else that builds trust
The key is transparency and communication. Private lenders aren’t banks — they’re investing in you as much as the deal. Show them you’ve thought through the risks and have a plan for everything.
Just locked in a private money loan last week for a flip I’m closing Friday , so it definitely works.
What is your goal in working with a private lender—are you seeking gap funding or a first-position loan?
We’d be happy to have a quick conversation to better understand your needs. Based on your financials, we can issue a proof of funds so you can begin identifying potential properties. Once you find one that interests you, let us know.
If the deal is a fit for both sides, we’ll provide a term sheet. If the terms work for you, we’ll move forward with ordering the appraisal. Assuming the appraisal comes in well, we can proceed to closing.
You don’t need to overcomplicate it — think of it more like a conversation guide than a pitch deck. Just be honest, show you’ve thought through the details, and be upfront about risks and how you plan to handle them. If you have not done a deal, then you want to show them how you are going to protect their investment and work with legit contractors etc.
I’ve been flipping houses for 9 years, but cash flow always bottlenecked me. Zip2P changed that overnight. Instead of pleading with hard money brokers, I pitch directly to people who get it. The private lender’s insight alone saved me thousands on my last deal. Now I roll profits right into the next one , no slowdown, no stress. This is the eay to go especially if you are funding small towns
I ike zip2p because Big banks don’t care about my little town. But people on Zip2P did. My triplex deal didn’t fit the bank’s ‘perfect box.’ Got funded by a lender who grew up three counties over. Closed fast, fair terms, no drama. Small towns need platforms like this.
The is a very professional operation. A great service with great people!
Before Zip2P, I felt locked out of the game. Banks just saw my age and my lack of big track record. But with Zip2P, I posted my project and found people who wanted to help me get my first flip done. The lender didn’t sugarcoat anything, he told me how to tighten my numbers and pitch better. Three weeks later, we closed. Now I have my first success story, and I’m hooked.
After my bank ghosted me mid-renovation, Zip2P came through. It’s not just the money , it’s how they made me feel like my project mattered. I posted my deal, my lender called the same day, we ran through comps together, and two lenders stepped up in 48 hours. I can’t imagine going back to the old way. Highly recommend!
This would be my first deal and I think I’m over analyzing everything and making it more complicated than needed. I have two lenders I’m talking to and so far everything is fine
@ grace
Since this is your first deal, your goal isn’t to pretend you have experience, it’s to show a lender that you’re serious, prepared, and coachable. That goes a long way. While being authentically…you. 🙂
What I love about Zip2P is they don’t treat you like a file number. They actually want you to win so you come back with more deals. The customer support talked me through two exit scenarios, told me which made the most sense, and matched me with a lender who got me to closing in record time. This platform is the only reason my flip didn’t stall for six months.
I’ve been collecting doors for 18 years. I thought I’d seen it all until a partner told me about Zip2P. I tested them on a small duplex refi, funded in days, not weeks. My partner actually called me personally to walk through the best lender match for my neighborhood. Now I’m moving all my value, add plays through Zip2P. The banks can keep their hoops , I’ll stick with smart money and real people.”
This was my first fix & flip and I was nervous, but zip2p lender made the process stress-free. My Lender was quick to answer questions, got me funded fast, and gave solid advice along the way. It felt like they were really on my side! Definitely using them again for my next project!
Zip2p was extremely helpful in getting my loan closed and funded smoothly. My lender took the time to explain my financing options and guided me through every step of the process. His team was very accommodating, responsive, and proactive, making sure everything was handled efficiently. Thank you, team ZIP2P!
I’d heard about using OPM forever but never knew where to start. Zip2P made it simple. Their community vibe took away the fear factor. My friend explained each funding step like I was family. Closed my first duplex with them in 19 days. Next stop: three more doors this year. Grateful doesn’t even cover it.
It would be a good idea to have an updated personal financial statement and credit report on file. Our brokerage operates an internal hard money fund and we generally ask for both of these items after reviewing initial deal points.
Our Zip2p experience was awesome. Our Fix & Flip project a seamless experience. A huge shoutout to Amelia, our loan officer, who was incredibly helpful throughout the process. She was always available to answer questions, kept everything moving smoothly, and made sure we had the best financing options. The entire team was professional, efficient, and great to work with. Highly recommend the site if you’re looking for a reliable partner in real estate investing!
This is the only site you find lenders charging 4 points and 15% interest on a 6 month term note. But its a 100% loan to cost loan. That means that they are loaning 100% of the purchase price, 100% of the closing costs and 100% of the fix-up money. . I know the lenders
FOr me, Zip2p made the financing process seamless and stress-free. Their expertise and attention to detail ensured that I got the best possible terms, and their customer service was outstanding from start to finish. They were always responsive, transparent, and genuinely had my best interests at heart. I highly recommend them to anyone in need of a trusted finance broker!
One thing with Lenders on Zip2p.com is that they professional and get back very quickly. They look care of my loan from start to finish. Really made me feel like my loan was important to them. Highly recommend finding private lenders on zip2p.com
I was honestly skeptical at first , banks had turned me down twice before. Zip2P didn’t just fund my project; they explained the whole process like I was part of the team. My lender, was patient, sharp, and genuinely cared if my numbers made sense. I closed my first flip in under three weeks and I’m already lining up the next. Real people, real money, no nonsense.”
Zip2P is hands down the most professional and customer friendly private lending network I’ve ever worked with. Their community vibe makes the whole process feel collaborative, not corporate. Jonas, my main contact — was outstanding: incredibly knowledgeable, honest about the numbers, and always one step ahead with clear answers. His insights and calm guidance made funding my deal feel surprisingly smooth, even when surprises came up. If you’re looking for fast, trustworthy private money with real people behind it , not just paperwork .I highly recommend Zip2P. It’s a game-changer for investors who want to keep growing
Deciding to become self employed and open my own commercial enterprise is daunting enough, but a lender on zipcode p2p made securing funding as easy as could be.
Couldn’t speak more highly zip. They do exceptional work from start to finish. I set my goal and they achieved it like the thoroughbred team they are. Ask questions and they’ll be answered. The attention to detail is appreciated and you’ll notice a dynamic that is unmatchable. Make the move I did and ensure your next financial decision with quality. Cheers to Markson and cheer to zipcode peer to peer lenders!
If you’ve been working with a mentor, attending local meetups, walking properties, or studying BiggerPockets books and calculators say so. That shows commitment. Lenders don’t necessarily need you to be experienced—they need to know you’re thoughtful, realistic, and not going to disappear the moment something doesn’t go as planned.
I was new to commercial lending, however Rupert and team led me through the process with ease and transparency, patiently answering all of my questions while concurrently removing any concerns along the way. We did not just create a mutually beneficial deal, we built the foundation for continued partnerships in the future. Thanks again to Rupert and the great folks at zip2p for verified lenders!
I can’t say enough good things about Zip2p lender! They’re vetted,, knowledgeable, honest, and truly go the extra mile to make sure the deal is clear and smooth from start to finish. If you want a mortgage experience that feels personal, professional, and stress free, this is the place to go.
This is my third deal with Zip2P and each one gets smoother. The first time, Jake basically held my hand through the whole funding stack. Now he just calls to say ‘Ready when you are.’ It’s trust you earn by delivering , and they remember. If you’re serious about scaling, don’t wait for banks to catch up , get in the circle and move your project forward now.
Zip2P is a breath of fresh air compared to the old bank dance. The lenders on here are real people who care about the neighborhood. The lenders are already vetted, which made due diligence fast. My investors saw my updates, trusted my timeline, and we all got paid faster than we thought possible. Can’t wait to list my next one.
I’ve been in real estate for 12 years and used just about every funding option out there. Zip2P stands out because they get that speed and trust are everything. The advice alone was worth more than some brokers I’ve paid. No hidden fees, no runaround — just fast, clean private capital with people who actually understand deals at the street level. Highly recommend.”
My lender is the absolute best, she has dealt with my incessant calling and texting and never ever made me feel like a bother. She is truly a gem and I hpe I don’t need anotheer lender. I would highly recommend her and zip2p to anyone looking to fund a project
Thank you so much. Seeing that you had contact with your lender for 12 months to get to know each other puts this a little more in perspective for me. My potential lender is a distant family member but I’ve clearly not been doing all that I can since I’ve not made it know to him that I’ve begun real estate investing.
Seamless experience with Zip2p lender! The team was professional and made the entire DSCR refinance process smooth from start to finish. They secured excellent terms for us and kept everything on track. Highly recommend them to any real estate investor looking for a reliable financial partner
Even without a track record, you can build lender confidence by highlighting relevant experience, things like project management, construction, finance, property management, or small business ownership. Basically, anything that proves you can manage timelines, budgets, and people.
I know right!
One of my students just closed her second deal through the same lender she met on her first. Its all about keeping the relationship
it is great to know that there are people here willing to help give guidance and even step in if needed.
I have used hard money lenders but most of them are too greedy. Its best for short loan program but not practoical for long term investent financing
Wall street doesn’t want to deal with all the variations like , this is an interest only loan, this is a second mortgage . They want to homogenize everythig and they want it all to conform.
The problem that zipcode peer to peer network is that bank financing is nearly impossible. Getting conventional loans from bank of america and well fargo is near impossible to get. Thats why we have this platform
The rules with conventional loans are the rules they have made so they can package the loans they write and underwrite and then sell them off in giant pools of secondary markets. Millions and billions worth of loans and sold to wall street buyers.
For those of you who are lucky enough to already have private money partners and you are essentially brokering their money, that’s a huge responsibility. not all of us were that lucky until zip2p
I think there are two things that hold us back from achieving our real estate dreams, the biggest is the lack of funds and this services solves it well.
30 years in real estate and I have this to say, There are some things that you just cannot outsource. You have to embrace relationships. You have to. Embrace this concept of relationship financing and understanding that it is about relationships with these lenders.
Yes, you can bootstrap your way to real estate wealth. But you can make a lot more money a lot faster with a lot less hassle if you have money to work with.
To succeed on the same level that the people who are at the top 1% of their game have achieved, you have to master HOW TO build relationships with lenders . they are resourceful
I can find somebody who will do a lease option. But if I get that option on that property, then what do I do? Am I going to flip it? How am I going to keep it? At some point, no matter what strategy you employ, you’re going to have to get the money to do the deal. The lenders on zipcode lenders netwok are all certified.
Funding is the most important component of the real estate investing and the number one constraint. Private money and great marketing are also integral components of the framework and these are all the things that you need to do to eliminate that number one constraint in your business which is the Fund piece of the framework. This zipcode lender network solves that problem
When I first started investing in real estate in 2001, I had obviously no clue what I was doing. I read books I possibly could, went to every seminar that I possibly could. And I knew that the only types of deals that I could possibly do were creative deals because I didn’t have any cash and I didn’t have any credit. The investors of these days have all in thier palms. Imagie I can access funding so easily when I started, I would be warren buffet
FUNDING IS THE IMPORTANT IN REAL ESTATE and Zip2p.com does that. You can find the deal, but if you can’t fund it, there’s nothing else to do. People are losing deals because they don’t have the Fund part of that framework down. It is the mission of zipcode p2p lending network to change this.
All you need to be successful is to establish a rellationship with a certified lender on the site .
Laws vary state to state and raising private money has different rules depending on the amount of money raised, the state(s) where the money is raised, the types of investors and investments involved and a myriad of other contingencies.
Raising private money can be a touchy subject and you need to be sure to follow all state and federal securities guidelines and regulations. Don’t just jump in and start asking people to invest; that’s a recipe for disaster.
If you’re truly in it for the long haul, and want to run a successful real estate investing company, employ the help of an attorney or professional advisory service who is experienced and knowledgeable in raising and pooling private money. Certain steps and actions need to be put in place
My recommendation to you is to work with several lenders for each zip code you are looking to fund and see what happens. You may find a niche working with one contact .
Financing a real estate deal is hard in today’s world, at least that was what I thought . Its one thing that you find lenders willing to fund your deal, but here the lenders give you steps to follow to make your deal happen. You know they are ready to support you from their actions
Can you get a better deal from the lender once the prop-
erty goes out of the lender’s loan portfolio and into the lender’s
property portfolio? I think the answer is yes but I need response
Because of the aggressive lending practices of real
estate lenders both in purchasing and refinancing over the
last three years, many properties are overfinanced.
We believe one of the best opportunities in the last 30 years
to make money in realstate is happening for the smart real
estate investor. Over the next few years people who use zip2p.com
are going to make hundreds of thousands of
dollars over the investor that doesn’t.
This website is where you buy the ticket for real estate train.
I love this site. I have made more connections with private lenders on here that I have all my deals funded within 48hrs
The information and value I have gotten from zip2p.com is 100x more valuable than the 12$ I paid to access lenders .
Zip2p.com is a great site to find quality private money lenders
After doing 27 flips over the last 9 years, I can tell you this: access to capital is either your jet fuel or your handbrake. I’ve burned through traditional lenders, bridge loans, and even got stiffed once by a hard money guy in Brooklyn. Then I found Zip2P. What changed? I stopped pitching banks and started partnering with people. Now I post my project, get three calls within hours, and move forward without begging anyone for approval.
You want to scale? Stop playing small and start working with lenders who actually want you to win.
I have a thing to comment . This website and the lenders there will get your investor motor running and inspire you to take your career beyond anyting you thought possible.
I can’t believe how Icould have managed any better . This is the best platform to find private lenders
The service is excitting to use. I would pick zip2p.com over funding circle or private money gold mine
This website is everything you want fora successful real estate career. Its tremendously useful. The information and people here on zip2p.com can makr financing your projects both easier and more profitable. I use it, and I htink every serious investor should use it also
I was able to raise just shy of 1m in less than 90 days , talk about cutting monthsoff my learning curve
when my lender says he’s funding Friday, it’s funded Friday. Next one’s live now.
This is actually one of the best sites tomeet private lenders in Canada . I leant its availble in USalso
IF YOU NEED TO RAISE private MONEY for your real estate’s deal and don’t know where to start, zip p2p lenders metwork is where to g.I am a living proof
My family’s land sat empty for 20 years. We wanted townhouses and I knew Zip2P lenders got it. We walked the site on Facetime, the money came through in days. Now my dad’s name’s on a new street sign. Its Better than selling it off to a developer we don’t know.
I’m buying up the rough blocks the banks don’t want. Zip2P matched me with two lenders who know the neighborhood. This isn’t charity as we all make money but it’s the only way I could make it work. Respect.
Everyone in my coworking space talks about passive income but they all keep putting it off. We were all putting it off until I learnt I could get funding fast with ZiP2P.com
I tried it. Found a duplex on Zillow, pitched it on Zip2P, got funded while everyone else was ‘networking.’ Feels good to be the investor of the team. I am yet to tell them the secret though, sorry I am not telling .
I’m the spreadsheet type , I like to makesure first and didn’t trust private lending at first. Ran the math five ways and turns out, the fees are worth the time saved. Banks need 90 days, ZIP2P took nine. Trust but verify. Verified.
Thought I was a cash king until I saw how many more doors I could do with private money. Zip2P has made it easy to line up the next flip before I sold the last. That’s how you scale and I am glad I found them when I did.
I built things my whole life but never built a real estate stack. These folks helped me do both. The lender told me ‘just pitch it like you’d explain it to your brother.’ So I did. Funded in days.
Private lenders through Zip2P don’t staff at all. Iwas able to close my last two fix-and-flips with the same guy. He knows I don’t miss deadlines, I know he wires on time. That’s the circle. Simple.
I’m a Night shift nurse, three kids, no time for loan officers and paperwork drama. ZiP2P.com was online, simple, felt like texting a buddy. Closed my first small rental paying daycare with that cash flow now. For thefirst time ,i feel smart.
If you’re not underwriting deals based on the people and the plan, you’re already behind. I’ve funded over 30 deals through Zip2P this year alone. The platform lets me choose my zip codes, vet borrowers, and see the data that actually matters. Advice? Skip the ego. Fund the builders who over-communicate and under-promise. That’s your compounding edge.
I Saw this on Instagram, thought it was hype. Tried it for my first BRRRR duplex. Wasn’t hype — was just human beings who understand timelines. Funded me so fast the seller thought I was all-cash. Game changer for a newbie like me.
I like it for privacy. I don’t like my business all over town — I just like my deals done. Zip2P respects that. Private lenders, straight talk, fast wire. The end. Next project’s already on deck.
This is a good resource for beginners. I didn’t know where to start. Half the online gurus are all noise. Zip2P actually felt like people. I asked dumb questions but they never made me feel dumb. Pitched my first fixer, closed in 9 days. it did feel unreal, still does.
⭐⭐⭐⭐⭐ Getting funding when you’re new in the country is a nightmare. Zip2P gave me a real shot. The lenders on the website doesn’t care where I came from , they cared if I had a solid plan and record of previous deals. Now I own my first rental, building credit, building trust. Feels like I belong here.
zip2p.com is a five star service. Guys at the station know me as the ‘real estate dude’ now. Last flip, the bank dragged their feet while I lost $15k in holding costs. Never again. Zip2P had a lender on the hook before my next shift ended. No fuss, no games. Jatan is solid too
I’m more comfortable with lumber than loan officers. So I hated the idea of begging a bank for my duplex rehab. Zip2P didn’t make me beg. I wrote up my plan, showed what I knew, lender came back same day with clear terms. Clean, respectful, done. It’s private money, but it doesn’t feel shady, just… grown up. I recommend 1000x
Didn’t think I’d be the ‘private money’ type, but man Chase took forever just to not call me back. Found Zip2P on a buddy’s recommendation, threw my pitch up on a Tuesday, funded by Thursday night. Might sound too easy but that’s because people there want to move. Won’t use a bank for these small rehabs ever again.
⭐⭐⭐⭐⭐ Properly vetted lenders !
I’d never built ground-up before , just flips and rehabs. Zip2P connected me with a lender who loves new builds. He looked at my drawings and my cost breakdown, asked all the right questions, and funded 80% of my first project. We just poured the slab last week. Couldn’t have done it without them. Use zip2p, that’s all you need
Big banks don’t care about small towns. Zip2p.com matched me with a lender who lives two counties over. We bonded over the project vision and the fact we both care about keeping these old buildings alive. This is how you rebuild Main Street one deal at a time with real people. This is the best thing about zip2p, you’ll find lenders with local knowledge .
We’re hooked. My son wanted in on the family biz, so we decided to do a flip together. Needed funding fast to beat another offer. Zip2P delivered. We posted our pitch Monday, locked in a lender by Wednesday, closed Friday. This means alot to me becuase my kid’s trust for me hit an ATH.
I don’t get impressed easily. I’ve done 25 flips, 12 holds, two commercial conversions. Banks move like molasses. Zip2P moves like me. I saw list of verified lenders and I matched with three lenders, I picked the best terms, closed ahead of schedule, funded my crew by Friday. Can’t ask for more than that. I have recommended this site at all events I have attneded and all my associates use it to find private money
I have noticed Traditional lenders hate short term rentals. Zip2P? They didn’t blink when I said I was converting the place to an Airbnb. I got a private lender who knew the numbers, saw my plan, and said, ‘When’s the furniture coming in?’
Now that property cash flows twice what my bank predicted. I Love this network a great deal.
The site has Real vetted lenders ready to answer quick questions, quick answers, deal done in days not weeks. I’ve moved all my projects over and I tell everyone in my local REI group to do the same.
I had a good experience on zip2p. I wanted to renovate the old triplex on my block but the BOA told me I didn’t ‘fit their profile.’ Within a week I was meeting with lenders who actually cared about my plan. Closed in record time. Now my kids know what ‘generational wealth’ really means.
I came to read the reviews before proceeding.I am happy to see all of this . I hope I find a lender for my deal also
Great site. I do have a story myself. My old broker promised me funding on a fixer, then ghosted me when the inspection got messy. I messed up I know but yet a lender from Zip2p.com saved me and thought me a valueble lesson. We’ve been doing deals since 3 years now
Most of my friends are saving up to buy their first condo. I’m on my second flip thanks to Zip2P. I learned more from a lender in two phone calls than I did in three finance electives. Private money used to sound risky but now I know it’s just trust plus speed plus doing what you said you’d do. Couldn’t be happier I found this circle early
I never thought I’d be the guy hunting down private money, but my last bank loan fell apart days before closing. I found Zip2P on a Sunday night, posted my numbers, and had a lender texting me questions Monday morning. ITS A GOOD RESOURCE EVERY INVESTOR needs to find private money.
I have an inteesting experience , I worked in commercial lending for 15 years. When I went independent, my old bank wouldn’t touch my first value add deal. Irony, huh? Ihad all the resources to get what I wanted with the long experience I have of the industy already. I went to Zip2P immediately and the lenders didn’t hesitate . I got got me in front of real people with real money. I had a clean close because they lender trusted me.
2021 was brutal — rates up, banks frozen. Zip2P was my workaround. I Pitched a distressed fourplex, showed the exit plan, One tweaked my deck, and we funded in a week. That flip profit paid for my wedding. No exaggeration. I owe these guys big time.
I am a full time firefighter, my time is tight. I don’t have hours to chase bank managers. Zip2P took my small rental portfolio and turbocharged it. We fire fighters know of zip2p,i am suprised its new to most full time investors
My mentor explained exactly how to position my ARV, what the lender wanted to see, and two days later I had commitment letters in my inbox. Zero stress, no wasted time. That deal flipped in four months and now I’m using Zip2P for every property I can find.
⭐⭐⭐⭐⭐ My wife and I are still pretty new to investing. We wanted a duplex but didn’t know how to fund the rehab. A mentor pointed us to Zip2P. The lenders didn’t just say yes , they taught us how to plan the draw schedule right. We’re living in one unit, renting the other, and planning our next buy. Feels good to be in control. I would recommend
There is no developer who hasn’t benefited from zipcode peer 2 peer. My brother and I used to borrow from friends and family to do flips. It worked, but always felt awkward. Zip2P gave us a professional way to raise private money outside the family tree. Now we show results, deliver updates, build trust and our circle of backers keeps growing. It’s private money, the grown up way to do real estate.
Most banks do not have experts and don’t know anymore but to hate unique properties. My mixed use retail/residential always got side eyed. Zip2P lenders didn’t flinch , they saw the value. The zipcode matched matched me with people who love weird properties with upside. Closed in 10 days, with zero attitude. That’s rare.
I build small infill projects ,tight lots, good streets, tough comps. The thing is that Banks never understood it. But real industry experts live those Zip2P lenders. The community is full of other builders and fixers who know the real numbers. My contact knows how to talk to lenders who get creative deals. I’m done fighting big banks for every dollar, this is the way to go .
⭐⭐⭐ ⭐ ⭐ FIVE STAR! I used Zip2P to get out of a dead-end mortgage search. My Lender and the lenders treated me with real respect. No runaround, no ‘mansplaining’ my project to death. They saw my plan, saw the neighborhood, and gave me a shot. Now I’m lining up my second project and I’ll be back here for every one after.
⭐⭐⭐⭐⭐ I turned an old warehouse into three lofts. Banks wanted nothing to do with ‘non-conforming.’ Zip2P lenders saw it as an opportunity. Mr Jake even connected me with a lender who’d done two similar conversions. We closed fast, phased the draws, and it appraised higher than I projected. That’s teamwork you won’t find at a bank.
I do real estate on the side. My 9–5 eats my time, so speed matters. The best tool for anyone in similar situation would be zip2p.com. Zip2P got me funded faster than any broker ever did. The Lender Susan answered late night emails, reviewed my deck the same day, and my renovation budget was wired before I knew it. Now my side hustle is real wealth.
I used to think private money was sketchy. Now I see it’s the secret all serious builders know. Glad I know it too.
Beginners flood this platform with unrealistic deals. We need bite sized courses or interactive checklists for new borrowers, so they don’t waste our time or theirs
There is an issue with olverleveraging that I have noticed as a lender , Borrowers push for 90% LTV deals because private lenders can swing, but that’s bad financial discipline. There should be warning flags or recommended max LTV settings per project type.
I thought private lending was transparent, until I saw a 3% origination fee tacked on at closing with no prior mention. It did feel like a hidden trap. I’d like to see all borrower fees disclosed before I accept terms not in the fine print on closing day.
There should be a Refinancing Guidance because After a flip, borrowers often struggle to refinance. . We need integrated refinance partners or tutorials on moving from private debt to a permanent loan.
⭐⭐⭐ There has to be one living budget doc that auto‑updates for both borrower and lender, so our household sanity stays intact.
I brought three clients to the platform. None got funded, and they blamed me. There needs to be better onboarding so first timers don’t flame out.
MOST lenders asked for video proof. I ended up filming myself in a dim basement crawlspace, feeling silly. We need an alternative simple photo sequencing guides , so technically shy folks can still show progress without feeling like reality‑TV stars. making Content is not for everbyone you know
I spent 30 years managing product teams in Silicon Valley. After I retired, I had money sitting in cash doing nothing. I tried stocks, then real estate syndicatesbut they lacked visibility and felt too impersonal. Then I stumbled onto Zip2P. It gave me something I hadn’t had since my startup days: connection. I’ve now funded six rehab projects in four zip codes. I get to ask real questions, see progress weekly, and feel proud when a deal closes. This is purposeful capital for me and its fulfilling
Lenders should do more than ghosting when they are not funding a deaal. I expressed interest, got their questions answered, and then nothing. They just stopped responding and Weeks later, I see they funded elsewhere.
I get it that competition is tight. But a simple “I’m going another direction” would keep me from chasing phantom deals. Pls do better guys
You want advice? Stop “shopping” your deals to every Facebook group. Start curating. Zip2P lets me build a reputation as a broker who delivers clean deals and closes fast. I work with both sides, lender and borrower. A reputation from Zip2p will pay you better .
I am a first time nervouse borrower. I almost talked myself out of posting my deal. I thought: Who would fund me? But after reading a few stories on Zip2P, I realized these weren’t hedge funds, they were just real people looking for smart deals.
I reached out to lenders and got two messages within 12 hours. One lender asked about my comp sheet, the other wanted to know how fast I could close.
They weren’t judging,they were curious. I got funded in five days. Now I’m finishing my first duplex and already lining up the next one. You don’t need perfect credit.
None of us came from Wall Street. We were five friends with decent jobs and strong cash flow. We pulled together $400K and decided we’d be smarter than letting the banks get all the yield. That’s how we found Zip2P. Now we lend on fix-and-flips in cities we used to rent in. We track rehab progress like sports scores. We’ve made over 12% annualized and we like the people we fund. They send us updates, ask for advice, and deliver. This isn’t just investing it’s a movement we believe in. We lend nationwhide in canada
I signed on and a lender asked me what my exit strategy was if the market dipped 10%. They did pull out because I froze and couldnt answer
My husband and I owned two duplexes for years. We thought that was our limit. Then a friend forwarded us a Zip2P funding story. We read it twice, then posted our own deal: a four-unit in a good school district. We got funded before the weekend. That first success taught us something no podcast ever did , that is access matters more than scale. Now we’re growing deliberately, borrowing smart, and funding our next acquisition through a lender we’ve actually met. You don’t need to be big to go big. You just need the right capital circle like zip2p
I thought I had to “build my track record” before I’d get funded. False. I got a loan for my first duplex flip in 3 days by being transparent, responsive, and prepared. Zip2P gave me a direct line to real lenders who value action. The Lesson I learnt from this ldeal is tjay Credibility isn’t how long you’ve been in , it’s how you show up.
I curate capital matches. I’ve helped fund over $12 million in the last year, and not once did we need to wait 45 days for a ‘committee decision.’
If you’re still stuck playing banker rules, you’re missing the real game. The future of lending is peer-based, fast, and built on trust.
Your confidence becomes their conviction. If you walk like the deal’s real, the money shows up to follow.
To think Diversifying my clients into real estate lending was once a compliance nightmarebut Zip2P made it simple. Now, I can allocate capital by location, see deal progress, and get returns that outperform most fixed income. Want my advice? Stop fearing real estate debt. Learn it Use it, read robert kiyosaki
I remember My first flip was ugly. Foundation issues, Title delays. But
Trust comes from traction, Document your mess. That’s how you earn the next yes.
When borrowers use Zip2P to raise money for my builds, I get paid on timeand this is every time. Lenders want transparency, and this platform gives it to them. That means we stay funded, stay moving, and stay profitable. If you’re in construction, push your clients to use Zip2P. Your margins will thank you.
I applied to three banks. Three. All said no. One didn’t even look at the deal past my credit score.
I was pissed but not defeated. I remembered something Susan Lassiter-Lyons said in a podcast: “Deals get funded when the lender sees what you see.
I posted the numbers on Zip2P like I was already holding the keys.
Lenders aren’t looking for pretty , They’re looking for smart, simple, profitable.
If your money’s sitting idle in treasuries, you’re losing more than just yield, you’re losing leverage. I use Zip2P to fund rental rehabs across four zip codes. Why? The borrowers are hungry, the data is tight, and I get terms I set. Forget the fund fees. you can just Go direct.
I only back operators who can present like CEOs and execute like GCs. Zip2P has become my deal flow engine.
I’m not here to squeeze every dime but I just like seeing young families build. I pick starter flips in zip codes I know from my mailman days.
One tip: borrowers, please post more before pics! I want to see what you’re fixing. I’d back more if I knew the story better. Zip2P does most right, do your best to keep it real folks .
I got funded in six days flat.
Here’s my advice: If you’ve got a real deal, stop begging gatekeepers. Go where people fund people. Zip2P will not ask who you are. They ask what you’re doing. Big difference.
I’ma retired cop and funny one, I once Busted guys who used to cook meth in these same houses I’m funding now , life’s funny. Now I’m a private lender? Ha. First flip I backed through Zip2P turned a burned out two-flat into rental gold.
Suggestion: add more crime stats per zip. I still think like a beat cop.
I love how slick Zip2P is. But I wish they’d build an app , the desktop is fine but I wanna check pitches on my lunch break without logging in on my phone browser. That’s my only beef. Everything else? Smooth, quick, no middlemen.
I told my barber I was a ‘private lender’ now , he laughed so hard he slipped his clippers. Truth is, I’ve funded two flips since March with Zip2P. Its nothing major but I am getting there
Look, lending’s risky. Any fool saying otherwise is selling you something. Zip2P makes it less risky by giving you calls, pics, numbers , but use your head. Fund small, check the guy’s eyes on Zoom, watch for sweet talkers. So far, no big duds. Just don’t treat this like a bank CD. It ain’t.
Banks don’t trust working class flippers but we do. I’ve got $1.2M placed in 48224 and 48205 through Zip2P. Small checks, but Ilike the smile it puts on people’s faces when they funded
The old way is done? Begging for draws, tracking invoices, and chasing funding gaps. Zip2P lets me post phases, not just the project. I break it down by stage, get pre commitments, and move like a developer, not a dreamer. The speed to capital edge here is real.
I’ve run private notes since ‘99, hard to surprise me. Zip2P did. The big thing I’d tell new lenders: call your borrower before funding. Doesn’t matter how pretty the pitch is, a 10-minute phone read tells you more than any spreadsheet. Zip2P makes that easy — direct text, quick video, done.
My suggestion? Build in a way to rate borrowers after deals close. Good ones deserve a bigger spotlight.
We lend in the Rust Belt where big banks skip the blocks. Our crew funded four brownstone rehabs near South Bend just this spring same borrowers came back twice. With Zip2P, I see the faces, the plan, and the local upside. Good people get good money, simple as that. Everyone should get on.
Missed Bitcoin, missed Airbnb, wasn’t about to miss this. Did see my neighbor flip a crack house with Zip2P money , sold it in six months. So I jumped. Now my cash is building bungalows three zips over. One suggestion: show a ‘watchlist’ for borrowers so I can stalk ‘em before wiring my kid’s inheritance, ha.
My group likes small multis in NC/SC zips under $450K. Big banks don’t touch them but we love ‘em. Through Zip2P we funded four in Charlotte last quarter alone. We check the numbers if we trust the borrower then its a done deal
I’m old enough to remember when every neighborhood had a corner store and folks looked after each other’s homes. Zip2P lets me back the next batch of builders doing that again. My last check went to a new duplex near the old mill. That family rents it to single moms rebuilding credit. Good for them, good for me. That’s the whole point, right?
All these city boys love fancy condos but not me. Give me a moldy triplex in Toledo, watch me wire 50K like it’s hot. Zip2P’s been fine solid updates, no nonsense. If I ran it? I’d make borrowers post more ugly pics. I trust the ugly ones more than staged ‘after’ shots. Real flips are messy, that’s how you know it’s real.
I’m usually on the road , two months Bali, next month maybe Spain. My money stays busy at home thanks to Zip2P. Flips in Columbus, buy-holds in Milwaukee and its all from my laptop. Only thing I wish? More timezone options for calls , sometimes I’m 10 hours ahead! Still worth it though
Hit me up if you need funding in Gorgio. My wife and I lend together, our grown kids call it ‘mom & pop private money.’ Zip2P keeps it simple: we check the pitch, call the borrower, wire the cash. Last month we helped fund a starter duplex in 30310. Reply to this message if you need support .
This is a very good platform. It has been good to me . I quit my tech job in Portland to manage my own capital. Zip2P puts deals in my inbox daily I like borrowers with grit. We just funded three 1920s bungalows in Eugene.
Hello everyone, Baltimore’s been my backyard for 40 years. Some blocks you don’t touch, others you double down. Through Zip2P I found three rehabbers who know the block, not just the blueprint. I funded their duplex clusters in 21223. That’s the edge I get with zipcode lending network, the local dealings make it safer investment
I am a lender for other vets fixing up old houses. Zip2P brings me young hustlers who want to flip where they served. Last borrower was Navy , he took down a duplex in Oceanside. We text every week. updating on the developement . This is how it should be, people working together
I got burned once by putting all my eggs in one basket. Never again. With Zip2P I fund tiny slices , five or six zip codes at once. One flop doesn’t kill my month. One win covers the drag. Last quarter: three flips, one infill new build, one tiny coffee shack conversion.
Well I used to rent out old duplexes in South Jersey till tenants broke my last nerve. Now I just lend the money instead. Through Zip2P, I see who’s serious about paint, floors, plumbing. I pick the ones with grit.
I do help small developers up and down the 101 corridor. Zip2P makes it clean: clear ARVs, real numbers, real people. Closed three ADUs in Santa Cruz last quarter alone .I enjoy working with zip2p because Ifeel in control.
I run a multi-state lending group. We like deals under $500K with tight turnarounds ; flips, duplex buyouts, quick refis. Zip2P shows me vetted borrowers every week. I can spread risk zip by zip. We funded 12 states last year. I don’t need to do any adverts of look for borrowers,I sit and wait for the deals to come.
Look, I triple-check every photo, every permit, every ARV. If you’re gonna lend, act like it’s your own roof on the line. Zip2P gives me plenty to vet but I’d love better filter tags: show me only two-to-four unit multis under $400K, boom. The deals are there, just give us sharper knives to slice ‘em.
I’m in a tiny Panhandle town nobody’s heard of — but I put money to work all over Texas zip codes through Zip2P. These guys bring me projects my local bank can’t touch. Got a ranch subdivide funded near Amarillo last month , two weeks start to finish.. If you have good deals around Texas, reach out to me
I don’t care about big city towers. I want my money five miles from my porch. My cousin does tile work for half these borrowers , I know if they’re good for it before the papers hit my inbox. Zip2P lets me pull the lever when my gut says ‘yes.’ Last house I funded, my son drove by and FaceTimed me the new porch. That’s enough for me.
I’m Retired, rolled my IRA into private lending With Zip2P. lets say, I am glad I did that
Flips in Newark, rowhomes in Trenton , if it’s clean, I’m in.
I am a certified lender on the platform
I treat this place like my local hardware store, every time I’ve got a new project, I swing by, grab what I need, and get back to work. Zip2P is just that. Familiar faces who mean business and no runaround. The same lenders come back for the next round < I will keep recommending
⭐⭐⭐⭐⭐ If you’re like me and doing deals in three states at once, you need private money that moves. Zip2P doesn’t care if it’s in Tennessee or Ohio or Florida , you’ll find a lender funding your zipcode and all they care is if the deal pencils out. That’s it. I bring good deals, they bring the fuel. Win win for everyone.
⭐⭐⭐⭐⭐ I coach Little League, fix up rentals on the side. Zip2P.COM is the only reason I could scoop up a triplex last spring. My Lender knew my face, liked my plan, signed off same week. It’s just people helping people win. Simple but nobody does it like this.
I’ve lived in Cuyahoga County my whole life. I know which blocks are turning. Through Zip2P, I get to pick deals I can drive by if I want. Last month I funded a young couple’s first flip in 44111. We closed it in six days. Their next one’s mine too that’s how you build trust in the area.
Funny story: I used to broker deals like this for a living, now I borrow through Zip2P. The old pipeline is slow and full of middlemen. Here, I know who’s funding me, when, and why. Transparency like this makes you sharper and richer.
The reason these services succeed is because the banks are getting greedy and difficult for simple people towork with. My Local bank wanted 20% down, Zip2P got me funded at 10% and none of the attitude. Put in the sweat, turned it in six months, made more than my salary. this is the easier funinf I have ever gotten without consideraton of my immigration status.
We watch all the ‘house hack’ YouTubers but nobody tells you how to actually get the money without 12 months of paperwork. Zip2p.com has genuily changed my investing career because all I look out for now is finding a good deal, I don’t worry about funding again. Its a good platform for every serious investor
I got only 32 flips funded in 5 years. But I got sick of hunting deals alone. Zip2P sends me deals that pencil out or I pass. No wasted time. I funded a fourplex in Mesa and a single-family in Flagstaff last quarter and since joining as a lender, I have don 109 deals in the same period
I’m 28 and certified Zip2p lender. Zip2P makes me look bigger than I am. I get daily pitches in Denver zips , mostly clean. Closed a quadplex in 80220 last week. If you have a deal in denver , connect with with me .
Banks took 94 days to tell me no. Zip2P got me $610K in 48 hours. If you’re an investor still begging for bank money, you’re thinking like a tenant, not an owner. These lenders are out there waiting for good deals. Post your numbers, speak clearly, be human and let the money find you.
Just did a cash out refi on one of my multi family units, i was going to roll those profits into the downpayment for my next purchase. But i have bee nconsidering the hard money/ private money route . would love to connect with any lender around Queens
Everybody in your life needs to be crystal clear on what you do so they can help you. Lenders on these platform inherently want to help you. But they can’t help you if they don’t know how to help you. So this is by far and away the best formula that I have ever found to work with private money
⭐⭐⭐⭐⭐ I had an excellent experience with my lender from Zip2p! Their team was knowledgeable, professional, and truly went above and beyond to ensure a smooth financing process. They provided clear guidance, answered all my questions promptly, and secured the best possible deal for me. I highly recommend them to anyone looking for a reliable and efficient finance broker!
Everyone needs zipcode lenders network . wherever you happen to be in your real estate investing career, figure out what that is. What would true success look like right now and in about five years. My very first metric was that I wanted to have seven cash flowing units. Seven but i have 11 now. funding for eight of those came from 3 zip2p lenders
Community Engagement Is Flat. I think There should be an active forum or Q&A like Bigger pocket . There no way to celebrate or commiserate. A simple social feed or weekly roundtable could build loyalty
Most lender do not revert to borrowers on why they didnt’t do the deal. Note nice, how do one improve if he doesn’t know what is wrong ?
this is real estate funding with no BS! People try to make it so complicated. And I think they do that just because they want to keep selling more stuff. Right? Not on zip2p.com
I need heatmaps of funded deals, default hotspots, rent growth zones. Without them, I rely on external data and manual mapping. This should help us lender to target accurately where the deals are hot.
If you are serious about your business, this website will give you everything you need, in a logical order, step-by-step, to put the pieces together. All in one place
No matter what business you are in, having the working capital you need in your pocket will be the difference as to whether your business makes it or not. IF YOUR GOAL is to make sure that you never run up against a wall because you couldn’t get the money for your deals, then you need zipcode P2P lending network.
Zip2p is designed to make it as easy as possible for you to get the private money information and put it into action. everything you need to Get the Money!
Some lenders quietly tack on service or admin fees at closing. I thought Zip2P was fee free. Surprise charges erode that trust , just tell me up front exactly what I’ll pay.
I can’t say enough good things about Zip2p Lenders! They’re knowledgeable, honest, and truly go the extra mile to make sure the deal is clear and smooth from start to finish. If you want a mortgage experience that feels personal, professional, and stress free, this is the place to go find a lender.
⭐⭐⭐⭐⭐ Zip2p.com nailed it with the simplest approach to tapping into millions from anyone who dares to raise endless capital for deals which keeping full control of the process.
Here’s what I love about Zip2P: I get context. Not just a spreadsheet or an appraisal, but voice memos, walk-throughs, and the why. The best borrowers don’t send PDFs, they send clarity. I fund people who treat updates like investor relations, rather than an obligation.
@Ethan Moore
This is awesome! I would not of thought to incorporate my exit strategy. Seeing it laid out like this makes it seem less daunting. Thanks and congrats on the upcoming deal.
They were super helpful, and we got a great rate without any hassle. Highly recommend!
Zip2p.com is the simple system to getting private money for your real estate deals .