Common Financing Hurdles and How to Overcome Them

Funding is the lifeblood of real estate investing. Even the best deals can stall if financing isn’t lined up. Savvy investors know the hurdles—and how to clear them fast.

Tight Credit or Limited History

Traditional lenders often choke on less-than-perfect credit or limited borrowing history. Hard money solves this by focusing on the property and deal structure, not just your score.

Insufficient Down Payment

Getting stuck because you can’t meet down payment requirements is frustrating. Explore strategies like private partners, bridging loans, or structured seller contributions to cover the gap.

High Debt-to-Income Ratios

Debt can make lenders hesitant. Hard money lenders evaluate the cash flow and potential of the property, not just your personal finances. Present a solid rehab plan and ARV projection to strengthen your position.

Slow Appraisals or Low Valuations

A low appraisal can derail your funding timeline. Anticipate this by prepping comps, documenting improvements, and having a backup lender ready to step in quickly.

Incomplete Paperwork

Missing docs or messy applications slow approvals. Keep your financials, permits, and plans organized. With Crebrid, our automated application process cuts the friction—upload once, get funded fast.

Pro Tip: Planning ahead and knowing your lender’s criteria can prevent most of these hurdles. Hard money is designed for speed, flexibility, and overcoming the traditional barriers that stall investors.

Funding doesn’t have to be the bottleneck. With the right approach and a lender that moves fast, you keep deals alive—and profitable.